Call reports 2019
CHIPPEWA VALLEY BANK — 2019
What CHIPPEWA VALLEY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 443,470,000 | 443,073,000 | 446,795,000 | 452,156,000 |
| Total loans | 346,940,000 | 349,818,000 | 357,327,000 | 369,272,000 |
| Allowance for loan losses | 3,287,000 | 3,283,000 | 3,276,000 | 3,419,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 37,695,000 | 37,242,000 | 42,141,000 | 38,659,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 359,369,000 | 356,925,000 | 359,008,000 | 364,412,000 |
| Interest-bearing deposits | 291,067,000 | 287,115,000 | 289,766,000 | 293,703,000 |
| Noninterest-bearing deposits | 68,302,000 | 69,810,000 | 69,242,000 | 70,709,000 |
| Equity capital | 37,082,000 | 37,792,000 | 38,771,000 | 39,237,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,982,000 | 10,196,000 | 15,465,000 | 20,543,000 |
| Interest expense | 979,000 | 2,019,000 | 3,097,000 | 4,158,000 |
| Net interest income | 4,003,000 | 8,177,000 | 12,368,000 | 16,385,000 |
| Noninterest income | 267,000 | 469,000 | 852,000 | 1,224,000 |
| Noninterest expense | 2,698,000 | 5,328,000 | 7,889,000 | 10,506,000 |
| Provision for loan losses | 150,000 | 150,000 | 150,000 | 300,000 |
| Pretax income | 1,422,000 | 3,168,000 | 5,181,000 | 6,803,000 |
| Income tax | 4,000 | 16,000 | 26,000 | 488,000 |
| Net income | 1,418,000 | 3,152,000 | 5,155,000 | 6,315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,965,000 | 36,715,000 | 37,733,000 | 38,239,000 |
| Total capital | 39,252,000 | 39,998,000 | 41,009,000 | 41,658,000 |
| Risk-weighted assets | 321,275,000 | 320,577,000 | 325,343,000 | 330,889,000 |