Call reports 2011
CHIPPEWA VALLEY BANK — 2011
What CHIPPEWA VALLEY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 241,089,000 | 240,827,000 | 257,066,000 | 248,087,000 |
| Total loans | 176,100,000 | 177,799,000 | 181,791,000 | 181,811,000 |
| Allowance for loan losses | 2,320,000 | 2,370,000 | 2,335,000 | 2,503,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,346,000 | 5,314,000 | 5,313,000 | 7,317,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,478,000 | 206,229,000 | 221,669,000 | 212,350,000 |
| Interest-bearing deposits | 185,486,000 | 185,325,000 | 196,558,000 | 189,238,000 |
| Noninterest-bearing deposits | 20,992,000 | 20,904,000 | 25,111,000 | 23,112,000 |
| Equity capital | 19,836,000 | 20,435,000 | 21,232,000 | 21,593,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,814,000 | 5,751,000 | 8,747,000 | 11,667,000 |
| Interest expense | 528,000 | 1,033,000 | 1,530,000 | 1,995,000 |
| Net interest income | 2,286,000 | 4,718,000 | 7,217,000 | 9,672,000 |
| Noninterest income | 202,000 | 504,000 | 795,000 | 982,000 |
| Noninterest expense | 1,683,000 | 3,366,000 | 5,129,000 | 7,165,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 436,000 |
| Pretax income | 730,000 | 1,706,000 | 2,658,000 | 3,053,000 |
| Income tax | 1,000 | 2,000 | 3,000 | 3,000 |
| Net income | 729,000 | 1,704,000 | 2,655,000 | 3,050,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,311,000 | 19,918,000 | 20,723,000 | 21,092,000 |
| Total capital | 21,476,000 | 22,105,000 | 23,010,000 | 23,367,000 |
| Risk-weighted assets | 173,069,000 | 174,768,000 | 182,895,000 | 181,734,000 |