Call reports 2015
CHIPPEWA VALLEY BANK — 2015
What CHIPPEWA VALLEY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 310,852,000 | 296,909,000 | 305,185,000 | 301,068,000 |
| Total loans | 215,409,000 | 218,579,000 | 240,218,000 | 240,494,000 |
| Allowance for loan losses | 2,129,000 | 2,197,000 | 2,339,000 | 2,400,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 29,416,000 | 26,884,000 | 24,353,000 | 24,321,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,522,000 | 246,289,000 | 256,833,000 | 252,501,000 |
| Interest-bearing deposits | 208,203,000 | 196,575,000 | 202,001,000 | 195,195,000 |
| Noninterest-bearing deposits | 51,319,000 | 49,714,000 | 54,832,000 | 57,306,000 |
| Equity capital | 26,475,000 | 26,514,000 | 27,206,000 | 27,330,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,976,000 | 6,036,000 | 9,361,000 | 12,760,000 |
| Interest expense | 218,000 | 426,000 | 630,000 | 830,000 |
| Net interest income | 2,758,000 | 5,610,000 | 8,731,000 | 11,930,000 |
| Noninterest income | 406,000 | 669,000 | 1,086,000 | 1,449,000 |
| Noninterest expense | 2,127,000 | 4,479,000 | 6,870,000 | 9,769,000 |
| Provision for loan losses | 75,000 | 260,000 | 410,000 | 560,000 |
| Pretax income | 962,000 | 1,540,000 | 2,537,000 | 3,050,000 |
| Income tax | 0 | 0 | 1,000 | 2,000 |
| Net income | 962,000 | 1,540,000 | 2,536,000 | 3,048,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,853,000 | 25,904,000 | 26,608,000 | 26,744,000 |
| Total capital | 27,982,000 | 28,101,000 | 28,947,000 | 29,144,000 |
| Risk-weighted assets | 194,520,000 | 195,536,000 | 215,786,000 | 217,168,000 |