Call reports 2025
CHIPPEWA VALLEY BANK — 2025
What CHIPPEWA VALLEY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 695,830,000 | 698,692,000 | 718,893,000 | 716,171,000 |
| Total loans | 491,511,000 | 502,411,000 | 512,518,000 | 518,500,000 |
| Allowance for loan losses | 4,361,000 | 4,300,000 | 4,446,000 | 4,714,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 113,646,000 | 124,027,000 | 124,041,000 | 123,737,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 524,070,000 | 522,338,000 | 542,013,000 | 539,390,000 |
| Interest-bearing deposits | 442,985,000 | 437,700,000 | 451,277,000 | 447,732,000 |
| Noninterest-bearing deposits | 81,085,000 | 84,638,000 | 90,736,000 | 91,658,000 |
| Equity capital | 62,337,000 | 62,539,000 | 62,699,000 | 62,892,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 10,399,000 | 20,894,000 | 31,683,000 | 42,364,000 |
| Interest expense | 3,251,000 | 6,209,000 | 9,528,000 | 12,682,000 |
| Net interest income | 7,148,000 | 14,685,000 | 22,155,000 | 29,682,000 |
| Noninterest income | 378,000 | 743,000 | 1,173,000 | 1,561,000 |
| Noninterest expense | 3,305,000 | 7,233,000 | 10,899,000 | 14,922,000 |
| Provision for loan losses | 75,000 | 75,000 | 225,000 | 500,000 |
| Pretax income | 4,146,000 | 8,120,000 | 12,204,000 | 15,821,000 |
| Income tax | 225,000 | 247,000 | 421,000 | 595,000 |
| Net income | 3,921,000 | 7,873,000 | 11,783,000 | 15,226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,937,000 | 62,156,000 | 62,333,000 | 62,544,000 |
| Total capital | 66,298,000 | 66,456,000 | 66,779,000 | 67,258,000 |
| Risk-weighted assets | 457,126,000 | 485,489,000 | 494,897,000 | 495,182,000 |