Call reports 2016
CHIPPEWA VALLEY BANK — 2016
What CHIPPEWA VALLEY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 316,789,000 | 341,789,000 | 351,617,000 | 345,561,000 |
| Total loans | 240,103,000 | 259,442,000 | 257,445,000 | 254,996,000 |
| Allowance for loan losses | 2,593,000 | 3,271,000 | 3,056,000 | 2,792,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 26,790,000 | 32,814,000 | 34,873,000 | 37,944,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,100,000 | 287,056,000 | 299,294,000 | 293,227,000 |
| Interest-bearing deposits | 204,470,000 | 227,237,000 | 232,187,000 | 228,237,000 |
| Noninterest-bearing deposits | 60,630,000 | 59,819,000 | 67,107,000 | 64,990,000 |
| Equity capital | 30,580,000 | 31,643,000 | 32,642,000 | 32,731,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,262,000 | 7,052,000 | 10,962,000 | 14,522,000 |
| Interest expense | 202,000 | 406,000 | 615,000 | 822,000 |
| Net interest income | 3,060,000 | 6,646,000 | 10,347,000 | 13,700,000 |
| Noninterest income | 356,000 | 2,005,000 | 2,280,000 | 2,672,000 |
| Noninterest expense | 2,332,000 | 4,883,000 | 7,226,000 | 10,120,000 |
| Provision for loan losses | 200,000 | 787,000 | 787,000 | 787,000 |
| Pretax income | 884,000 | 2,981,000 | 4,614,000 | 5,487,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 884,000 | 2,981,000 | 4,614,000 | 5,487,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,883,000 | 30,560,000 | 31,588,000 | 31,705,000 |
| Total capital | 32,476,000 | 33,517,000 | 34,488,000 | 34,497,000 |
| Risk-weighted assets | 215,934,000 | 236,236,000 | 231,841,000 | 229,004,000 |