Call reports 2009
CHIPPEWA VALLEY BANK — 2009
What CHIPPEWA VALLEY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 199,855,000 | 208,930,000 | 212,719,000 | 219,921,000 |
| Total loans | 166,178,000 | 170,638,000 | 172,346,000 | 170,001,000 |
| Allowance for loan losses | 1,734,000 | 1,767,000 | 1,740,000 | 1,999,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,679,000 | 4,353,000 | 1,852,000 | 1,815,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,244,000 | 175,467,000 | 179,477,000 | 186,002,000 |
| Interest-bearing deposits | 146,761,000 | 155,920,000 | 158,660,000 | 167,350,000 |
| Noninterest-bearing deposits | 17,483,000 | 19,547,000 | 20,817,000 | 18,652,000 |
| Equity capital | 18,010,000 | 18,303,000 | 18,888,000 | 19,566,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,979,000 | 5,994,000 | 9,091,000 | 12,070,000 |
| Interest expense | 944,000 | 1,893,000 | 2,784,000 | 3,586,000 |
| Net interest income | 2,035,000 | 4,101,000 | 6,307,000 | 8,484,000 |
| Noninterest income | 146,000 | 376,000 | 589,000 | 1,140,000 |
| Noninterest expense | 1,528,000 | 3,101,000 | 4,740,000 | 6,516,000 |
| Provision for loan losses | 22,000 | 63,000 | 108,000 | 377,000 |
| Pretax income | 631,000 | 1,313,000 | 2,048,000 | 2,731,000 |
| Income tax | 15,000 | 20,000 | 26,000 | 31,000 |
| Net income | 616,000 | 1,293,000 | 2,022,000 | 2,700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,422,000 | 17,723,000 | 18,316,000 | 19,001,000 |
| Total capital | 19,156,000 | 19,490,000 | 20,056,000 | 21,000,000 |
| Risk-weighted assets | 155,932,000 | 162,158,000 | 163,719,000 | 164,572,000 |
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