Call reports 2008
CHIPPEWA VALLEY BANK — 2008
What CHIPPEWA VALLEY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 179,889,000 | 180,734,000 | 193,815,000 | 201,171,000 |
| Total loans | 148,599,000 | 152,463,000 | 158,864,000 | 162,189,000 |
| Allowance for loan losses | 1,774,000 | 1,682,000 | 1,685,000 | 1,752,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,743,000 | 2,715,000 | 2,714,000 | 2,679,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,841,000 | 149,177,000 | 161,407,000 | 168,866,000 |
| Interest-bearing deposits | 128,626,000 | 130,810,000 | 140,513,000 | 150,762,000 |
| Noninterest-bearing deposits | 20,215,000 | 18,367,000 | 20,894,000 | 18,104,000 |
| Equity capital | 16,598,000 | 16,979,000 | 17,542,000 | 17,894,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,160,000 | 6,093,000 | 9,029,000 | 12,046,000 |
| Interest expense | 1,165,000 | 2,199,000 | 3,171,000 | 4,149,000 |
| Net interest income | 1,995,000 | 3,894,000 | 5,858,000 | 7,897,000 |
| Noninterest income | 196,000 | 392,000 | 608,000 | 829,000 |
| Noninterest expense | 1,450,000 | 2,825,000 | 4,271,000 | 6,076,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 110,000 |
| Pretax income | 731,000 | 1,451,000 | 2,185,000 | 2,540,000 |
| Income tax | 8,000 | 11,000 | 14,000 | 17,000 |
| Net income | 723,000 | 1,440,000 | 2,171,000 | 2,523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,979,000 | 16,368,000 | 16,938,000 | 17,298,000 |
| Total capital | 17,753,000 | 18,050,000 | 18,623,000 | 19,050,000 |
| Risk-weighted assets | 142,396,000 | 143,704,000 | 151,314,000 | 158,073,000 |
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