Call reports 2013
CHIPPEWA VALLEY BANK — 2013
What CHIPPEWA VALLEY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 263,198,000 | 261,452,000 | 276,126,000 | 267,102,000 |
| Total loans | 190,866,000 | 191,791,000 | 203,921,000 | 211,509,000 |
| Allowance for loan losses | 2,310,000 | 2,239,000 | 2,196,000 | 2,459,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 22,852,000 | 22,840,000 | 18,564,000 | 18,542,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 239,287,000 | 237,027,000 | 247,302,000 | 239,602,000 |
| Interest-bearing deposits | 205,542,000 | 199,927,000 | 204,679,000 | 196,035,000 |
| Noninterest-bearing deposits | 33,745,000 | 37,100,000 | 42,623,000 | 43,567,000 |
| Equity capital | 23,831,000 | 24,247,000 | 24,401,000 | 24,459,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,849,000 | 5,808,000 | 8,529,000 | 11,493,000 |
| Interest expense | 305,000 | 552,000 | 776,000 | 988,000 |
| Net interest income | 2,544,000 | 5,256,000 | 7,753,000 | 10,505,000 |
| Noninterest income | 234,000 | 435,000 | 756,000 | 264,000 |
| Noninterest expense | 2,290,000 | 4,282,000 | 6,563,000 | 9,069,000 |
| Provision for loan losses | 0 | 0 | 0 | 412,000 |
| Pretax income | 488,000 | 1,409,000 | 1,946,000 | 1,288,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 487,000 | 1,408,000 | 1,945,000 | 1,287,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,523,000 | 22,969,000 | 23,154,000 | 23,242,000 |
| Total capital | 24,813,000 | 25,208,000 | 25,350,000 | 25,701,000 |
| Risk-weighted assets | 183,156,000 | 183,013,000 | 194,593,000 | 198,004,000 |