Call reports 2010
CHIPPEWA VALLEY BANK — 2010
What CHIPPEWA VALLEY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 224,938,000 | 225,699,000 | 225,485,000 | 234,932,000 |
| Total loans | 174,596,000 | 172,934,000 | 176,461,000 | 176,095,000 |
| Allowance for loan losses | 2,040,000 | 2,066,000 | 2,121,000 | 2,306,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,812,000 | 2,855,000 | 2,854,000 | 2,854,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,240,000 | 192,110,000 | 191,391,000 | 196,866,000 |
| Interest-bearing deposits | 172,303,000 | 170,719,000 | 167,415,000 | 174,110,000 |
| Noninterest-bearing deposits | 18,937,000 | 21,391,000 | 23,976,000 | 22,756,000 |
| Equity capital | 19,398,000 | 19,182,000 | 19,833,000 | 20,191,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,946,000 | 5,945,000 | 9,063,000 | 12,062,000 |
| Interest expense | 720,000 | 1,426,000 | 2,083,000 | 2,671,000 |
| Net interest income | 2,226,000 | 4,519,000 | 6,980,000 | 9,391,000 |
| Noninterest income | 191,000 | 393,000 | 586,000 | 820,000 |
| Noninterest expense | 1,580,000 | 3,198,000 | 4,807,000 | 6,820,000 |
| Provision for loan losses | 45,000 | 90,000 | 150,000 | 390,000 |
| Pretax income | 792,000 | 1,624,000 | 2,609,000 | 3,001,000 |
| Income tax | -10,000 | -10,000 | -10,000 | -10,000 |
| Net income | 802,000 | 1,634,000 | 2,619,000 | 3,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,841,000 | 18,633,000 | 19,292,000 | 19,658,000 |
| Total capital | 20,881,000 | 20,699,000 | 21,413,000 | 21,788,000 |
| Risk-weighted assets | 170,257,000 | 169,065,000 | 171,048,000 | 170,239,000 |