Call reports 2007
COMMUNITY BANK OF NORTHERN WISCONSIN — 2007
What COMMUNITY BANK OF NORTHERN WISCONSIN reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 65,790,000 | 68,291,000 | 68,917,000 | 71,920,000 |
| Total loans | 55,123,000 | 56,078,000 | 55,583,000 | 56,746,000 |
| Allowance for loan losses | 786,000 | 790,000 | 795,000 | 762,000 |
| Securities available for sale | 972,000 | 965,000 | 710,000 | 708,000 |
| Securities held to maturity | 445,000 | 790,000 | 920,000 | 3,320,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,008,000 | 62,506,000 | 62,919,000 | 66,004,000 |
| Interest-bearing deposits | 56,535,000 | 58,623,000 | 59,238,000 | 61,512,000 |
| Noninterest-bearing deposits | 3,473,000 | 3,884,000 | 3,681,000 | 4,492,000 |
| Equity capital | 5,384,000 | 5,417,000 | 5,591,000 | 5,531,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,184,000 | 2,433,000 | 3,706,000 | 4,984,000 |
| Interest expense | 628,000 | 1,291,000 | 1,985,000 | 2,693,000 |
| Net interest income | 556,000 | 1,142,000 | 1,721,000 | 2,291,000 |
| Noninterest income | 56,000 | 111,000 | 162,000 | 212,000 |
| Noninterest expense | 329,000 | 700,000 | 1,040,000 | 1,450,000 |
| Provision for loan losses | 36,000 | 72,000 | 72,000 | 72,000 |
| Pretax income | 247,000 | 481,000 | 771,000 | 981,000 |
| Income tax | 3,000 | 5,000 | 8,000 | 10,000 |
| Net income | 244,000 | 476,000 | 763,000 | 971,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,391,000 | 5,423,000 | 5,595,000 | 5,534,000 |
| Total capital | 5,993,000 | 6,040,000 | 6,250,000 | 6,160,000 |
| Risk-weighted assets | 47,955,000 | 49,206,000 | 52,337,000 | 49,948,000 |