Call reports 2018
CHIPPEWA VALLEY BANK — 2018
What CHIPPEWA VALLEY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 391,236,000 | 395,479,000 | 427,232,000 | 423,270,000 |
| Total loans | 300,913,000 | 311,684,000 | 330,116,000 | 345,502,000 |
| Allowance for loan losses | 3,078,000 | 3,062,000 | 3,065,000 | 3,055,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 32,777,000 | 32,642,000 | 32,438,000 | 34,154,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 318,475,000 | 316,812,000 | 345,958,000 | 341,585,000 |
| Interest-bearing deposits | 245,862,000 | 255,137,000 | 276,463,000 | 273,443,000 |
| Noninterest-bearing deposits | 72,613,000 | 61,675,000 | 69,495,000 | 68,142,000 |
| Equity capital | 34,505,000 | 35,318,000 | 35,950,000 | 36,748,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,917,000 | 8,170,000 | 12,890,000 | 17,768,000 |
| Interest expense | 443,000 | 997,000 | 1,789,000 | 2,686,000 |
| Net interest income | 3,474,000 | 7,173,000 | 11,101,000 | 15,082,000 |
| Noninterest income | 409,000 | 839,000 | 1,230,000 | 1,716,000 |
| Noninterest expense | 2,611,000 | 4,984,000 | 7,629,000 | 10,205,000 |
| Provision for loan losses | 50,000 | 50,000 | 200,000 | 350,000 |
| Pretax income | 1,222,000 | 2,978,000 | 4,502,000 | 6,243,000 |
| Income tax | 11,000 | 20,000 | 28,000 | 37,000 |
| Net income | 1,211,000 | 2,958,000 | 4,474,000 | 6,206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,230,000 | 34,082,000 | 34,754,000 | 35,592,000 |
| Total capital | 36,308,000 | 37,144,000 | 37,819,000 | 38,647,000 |
| Risk-weighted assets | 281,297,000 | 292,596,000 | 308,180,000 | 322,574,000 |