Call reports 2003
COMMUNITY BANK OF NORTHERN WISCONSIN — 2003
What COMMUNITY BANK OF NORTHERN WISCONSIN reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 38,796,000 | 40,490,000 | 44,010,000 | 47,627,000 |
| Total loans | 30,313,000 | 32,870,000 | 35,678,000 | 38,792,000 |
| Allowance for loan losses | 414,000 | 429,000 | 444,000 | 459,000 |
| Securities available for sale | 0 | 366,000 | 319,000 | 303,000 |
| Securities held to maturity | 1,544,000 | 1,322,000 | 1,322,000 | 1,758,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,494,000 | 36,999,000 | 40,357,000 | 43,990,000 |
| Interest-bearing deposits | 32,369,000 | 33,704,000 | 37,158,000 | 39,571,000 |
| Noninterest-bearing deposits | 3,125,000 | 3,295,000 | 3,199,000 | 4,419,000 |
| Equity capital | 3,141,000 | 3,296,000 | 3,450,000 | 3,434,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 597,000 | 1,207,000 | 1,848,000 | 2,520,000 |
| Interest expense | 259,000 | 508,000 | 754,000 | 1,011,000 |
| Net interest income | 338,000 | 699,000 | 1,094,000 | 1,509,000 |
| Noninterest income | 36,000 | 82,000 | 115,000 | 156,000 |
| Noninterest expense | 218,000 | 457,000 | 716,000 | 998,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 141,000 | 294,000 | 448,000 | 607,000 |
| Income tax | 2,000 | 0 | 0 | 0 |
| Net income | 139,000 | 294,000 | 448,000 | 607,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,141,000 | 3,296,000 | 3,450,000 | 3,434,000 |
| Total capital | 3,495,000 | 3,675,000 | 3,857,000 | 3,875,000 |
| Risk-weighted assets | 28,285,000 | 30,305,000 | 32,483,000 | 35,286,000 |