Call reports 2009
COMMUNITY BANK OF NORTHERN WISCONSIN — 2009
What COMMUNITY BANK OF NORTHERN WISCONSIN reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 99,152,000 | 102,229,000 | 112,375,000 | 113,955,000 |
| Total loans | 88,225,000 | 92,856,000 | 95,791,000 | 97,771,000 |
| Allowance for loan losses | 831,000 | 928,000 | 818,000 | 1,259,000 |
| Securities available for sale | 1,090,000 | 1,063,000 | 1,559,000 | 1,043,000 |
| Securities held to maturity | 1,805,000 | 1,720,000 | 824,000 | 1,824,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,429,000 | 92,421,000 | 101,845,000 | 103,948,000 |
| Interest-bearing deposits | 81,459,000 | 85,511,000 | 95,400,000 | 96,975,000 |
| Noninterest-bearing deposits | 5,970,000 | 6,910,000 | 6,445,000 | 6,973,000 |
| Equity capital | 7,881,000 | 7,896,000 | 8,617,000 | 8,141,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,375,000 | 2,847,000 | 4,381,000 | 5,953,000 |
| Interest expense | 674,000 | 1,348,000 | 2,000,000 | 2,690,000 |
| Net interest income | 701,000 | 1,499,000 | 2,381,000 | 3,263,000 |
| Noninterest income | 45,000 | 101,000 | 164,000 | 217,000 |
| Noninterest expense | 500,000 | 1,110,000 | 1,643,000 | 2,322,000 |
| Provision for loan losses | 45,000 | 175,000 | 220,000 | 670,000 |
| Pretax income | 201,000 | 315,000 | 682,000 | 488,000 |
| Income tax | -14,000 | -11,000 | -9,000 | -7,000 |
| Net income | 215,000 | 326,000 | 691,000 | 495,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,867,000 | 7,893,000 | 8,607,000 | 8,136,000 |
| Total capital | 8,698,000 | 8,821,000 | 9,425,000 | 9,279,000 |
| Risk-weighted assets | 78,032,000 | 82,202,000 | 88,856,000 | 91,342,000 |