Call reports 2003
WISCONSIN RIVER BANK — 2003
What WISCONSIN RIVER BANK 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 | 44,689,000 | 46,585,000 | 47,704,000 | 46,604,000 |
| Total loans | 31,610,000 | 33,705,000 | 34,423,000 | 34,107,000 |
| Allowance for loan losses | 376,000 | 396,000 | 409,000 | 409,000 |
| Securities available for sale | 9,156,000 | 7,368,000 | 8,978,000 | 8,061,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,940,000 | 41,786,000 | 42,818,000 | 41,998,000 |
| Interest-bearing deposits | 34,684,000 | 36,853,000 | 37,632,000 | 35,065,000 |
| Noninterest-bearing deposits | 5,256,000 | 4,933,000 | 5,186,000 | 6,933,000 |
| Equity capital | 4,124,000 | 4,179,000 | 4,205,000 | 4,303,000 |
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 | 689,000 | 1,349,000 | 2,018,000 | 2,688,000 |
| Interest expense | 207,000 | 409,000 | 602,000 | 779,000 |
| Net interest income | 482,000 | 940,000 | 1,416,000 | 1,909,000 |
| Noninterest income | 70,000 | 131,000 | 183,000 | 242,000 |
| Noninterest expense | 364,000 | 725,000 | 1,084,000 | 1,443,000 |
| Provision for loan losses | 12,000 | 47,000 | 60,000 | 61,000 |
| Pretax income | 176,000 | 299,000 | 455,000 | 647,000 |
| Income tax | 69,000 | 117,000 | 179,000 | 254,000 |
| Net income | 107,000 | 182,000 | 276,000 | 393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,062,000 | 4,137,000 | 4,231,000 | 4,348,000 |
| Total capital | 4,438,000 | 4,533,000 | 4,640,000 | 4,757,000 |
| Risk-weighted assets | 36,459,000 | 39,117,000 | 37,729,000 | 35,868,000 |
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