Call reports 2007
CHIPPEWA VALLEY BANK — 2007
What CHIPPEWA VALLEY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 165,725,000 | 167,349,000 | 184,557,000 | 180,953,000 |
| Total loans | 145,204,000 | 144,862,000 | 146,464,000 | 153,568,000 |
| Allowance for loan losses | 1,730,000 | 1,716,000 | 1,703,000 | 1,790,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,311,000 | 5,282,000 | 14,721,000 | 5,246,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,868,000 | 138,355,000 | 156,974,000 | 149,947,000 |
| Interest-bearing deposits | 123,896,000 | 122,229,000 | 137,484,000 | 129,568,000 |
| Noninterest-bearing deposits | 12,972,000 | 16,126,000 | 19,490,000 | 20,379,000 |
| Equity capital | 13,598,000 | 14,549,000 | 16,020,000 | 16,535,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,121,000 | 6,360,000 | 9,692,000 | 13,203,000 |
| Interest expense | 1,246,000 | 2,509,000 | 3,844,000 | 5,095,000 |
| Net interest income | 1,875,000 | 3,851,000 | 5,848,000 | 8,108,000 |
| Noninterest income | 158,000 | 331,000 | 524,000 | 707,000 |
| Noninterest expense | 1,215,000 | 2,410,000 | 3,877,000 | 5,718,000 |
| Provision for loan losses | 0 | 0 | 0 | 85,000 |
| Pretax income | 818,000 | 1,772,000 | 2,495,000 | 3,012,000 |
| Income tax | 2,000 | 4,000 | 6,000 | 8,000 |
| Net income | 816,000 | 1,768,000 | 2,489,000 | 3,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,598,000 | 14,549,000 | 15,381,000 | 15,908,000 |
| Total capital | 15,273,000 | 16,229,000 | 17,084,000 | 17,698,000 |
| Risk-weighted assets | 133,981,000 | 134,381,000 | 139,238,000 | 146,623,000 |
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