Call reports 2012
CHIPPEWA VALLEY BANK — 2012
What CHIPPEWA VALLEY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 254,811,000 | 253,951,000 | 283,814,000 | 285,877,000 |
| Total loans | 180,909,000 | 185,994,000 | 197,699,000 | 195,912,000 |
| Allowance for loan losses | 2,501,000 | 2,517,000 | 2,511,000 | 2,491,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,310,000 | 7,310,000 | 23,389,000 | 25,383,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,512,000 | 221,449,000 | 260,328,000 | 262,348,000 |
| Interest-bearing deposits | 194,746,000 | 193,151,000 | 227,016,000 | 225,606,000 |
| Noninterest-bearing deposits | 24,766,000 | 28,298,000 | 33,312,000 | 36,742,000 |
| Equity capital | 21,193,000 | 21,406,000 | 23,344,000 | 23,378,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,841,000 | 5,679,000 | 8,719,000 | 11,781,000 |
| Interest expense | 434,000 | 851,000 | 1,377,000 | 1,710,000 |
| Net interest income | 2,407,000 | 4,828,000 | 7,342,000 | 10,071,000 |
| Noninterest income | 261,000 | 599,000 | 817,000 | 1,112,000 |
| Noninterest expense | 1,756,000 | 3,751,000 | 6,113,000 | 8,950,000 |
| Provision for loan losses | 75,000 | 150,000 | 270,000 | 390,000 |
| Pretax income | 837,000 | 1,526,000 | 1,776,000 | 1,843,000 |
| Income tax | 3,000 | 5,000 | 6,000 | 6,000 |
| Net income | 834,000 | 1,521,000 | 1,770,000 | 1,837,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,699,000 | 20,920,000 | 21,975,000 | 22,040,000 |
| Total capital | 22,961,000 | 23,240,000 | 24,447,000 | 24,393,000 |
| Risk-weighted assets | 180,686,000 | 185,398,000 | 197,723,000 | 188,087,000 |