Call reports 2014
CHIPPEWA VALLEY BANK — 2014
What CHIPPEWA VALLEY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 267,887,000 | 266,709,000 | 299,145,000 | 295,298,000 |
| Total loans | 209,539,000 | 212,615,000 | 215,450,000 | 220,139,000 |
| Allowance for loan losses | 2,223,000 | 2,270,000 | 2,093,000 | 2,206,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 20,278,000 | 23,730,000 | 27,790,000 | 27,976,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,808,000 | 219,819,000 | 248,504,000 | 244,524,000 |
| Interest-bearing deposits | 198,304,000 | 172,173,000 | 191,017,000 | 192,163,000 |
| Noninterest-bearing deposits | 44,504,000 | 47,646,000 | 57,487,000 | 52,361,000 |
| Equity capital | 24,939,000 | 25,339,000 | 25,764,000 | 25,847,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,887,000 | 5,784,000 | 8,815,000 | 11,898,000 |
| Interest expense | 188,000 | 379,000 | 593,000 | 814,000 |
| Net interest income | 2,699,000 | 5,405,000 | 8,222,000 | 11,084,000 |
| Noninterest income | 418,000 | 904,000 | 1,372,000 | 1,781,000 |
| Noninterest expense | 2,124,000 | 4,281,000 | 6,561,000 | 9,335,000 |
| Provision for loan losses | 75,000 | 225,000 | 300,000 | 450,000 |
| Pretax income | 918,000 | 1,803,000 | 2,733,000 | 3,080,000 |
| Income tax | 2,000 | 3,000 | 4,000 | 5,000 |
| Net income | 916,000 | 1,800,000 | 2,729,000 | 3,075,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,752,000 | 24,182,000 | 24,638,000 | 24,751,000 |
| Total capital | 25,975,000 | 26,452,000 | 26,731,000 | 26,957,000 |
| Risk-weighted assets | 197,895,000 | 199,771,000 | 207,327,000 | 210,748,000 |