Call reports 2008
COMMUNITY BANK OF NORTHERN WISCONSIN — 2008
What COMMUNITY BANK OF NORTHERN WISCONSIN reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 72,247,000 | 81,084,000 | 90,342,000 | 90,097,000 |
| Total loans | 57,354,000 | 73,760,000 | 80,685,000 | 84,413,000 |
| Allowance for loan losses | 769,000 | 772,000 | 794,000 | 776,000 |
| Securities available for sale | 702,000 | 696,000 | 689,000 | 1,108,000 |
| Securities held to maturity | 3,320,000 | 3,320,000 | 3,205,000 | 805,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,134,000 | 71,922,000 | 79,605,000 | 79,478,000 |
| Interest-bearing deposits | 62,015,000 | 66,948,000 | 74,243,000 | 71,888,000 |
| Noninterest-bearing deposits | 4,119,000 | 4,975,000 | 5,362,000 | 7,590,000 |
| Equity capital | 5,694,000 | 6,763,000 | 6,794,000 | 6,743,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,211,000 | 2,436,000 | 3,743,000 | 5,112,000 |
| Interest expense | 699,000 | 1,383,000 | 2,118,000 | 2,854,000 |
| Net interest income | 512,000 | 1,053,000 | 1,625,000 | 2,258,000 |
| Noninterest income | 41,000 | 95,000 | 152,000 | 203,000 |
| Noninterest expense | 364,000 | 803,000 | 1,276,000 | 1,871,000 |
| Provision for loan losses | 0 | 0 | 38,000 | 45,000 |
| Pretax income | 189,000 | 345,000 | 463,000 | 545,000 |
| Income tax | 3,000 | 5,000 | 8,000 | 10,000 |
| Net income | 186,000 | 340,000 | 455,000 | 535,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,694,000 | 6,763,000 | 6,794,000 | 6,724,000 |
| Total capital | 6,332,000 | 7,535,000 | 7,588,000 | 7,500,000 |
| Risk-weighted assets | 50,871,000 | 62,039,000 | 68,456,000 | 70,376,000 |