Call reports 2004
WISCONSIN RIVER BANK — 2004
What WISCONSIN RIVER BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 44,592,000 | 46,519,000 | 47,789,000 | 48,358,000 |
| Total loans | 34,529,000 | 35,419,000 | 37,049,000 | 37,057,000 |
| Allowance for loan losses | 412,000 | 416,000 | 440,000 | 444,000 |
| Securities available for sale | 7,697,000 | 7,581,000 | 6,508,000 | 8,480,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,848,000 | 39,411,000 | 42,378,000 | 42,839,000 |
| Interest-bearing deposits | 34,653,000 | 33,641,000 | 36,441,000 | 35,457,000 |
| Noninterest-bearing deposits | 5,195,000 | 5,770,000 | 5,937,000 | 7,382,000 |
| Equity capital | 4,443,000 | 4,391,000 | 4,618,000 | 4,729,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 622,000 | 1,263,000 | 1,949,000 | 2,649,000 |
| Interest expense | 161,000 | 320,000 | 488,000 | 670,000 |
| Net interest income | 461,000 | 943,000 | 1,461,000 | 1,979,000 |
| Noninterest income | 56,000 | 105,000 | 157,000 | 204,000 |
| Noninterest expense | 358,000 | 707,000 | 1,075,000 | 1,435,000 |
| Provision for loan losses | 4,000 | 21,000 | 45,000 | 49,000 |
| Pretax income | 155,000 | 321,000 | 500,000 | 701,000 |
| Income tax | 61,000 | 126,000 | 197,000 | 276,000 |
| Net income | 94,000 | 195,000 | 303,000 | 425,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,442,000 | 4,543,000 | 4,651,000 | 4,773,000 |
| Total capital | 4,855,000 | 4,959,000 | 5,091,000 | 5,217,000 |
| Risk-weighted assets | 37,597,000 | 37,702,000 | 38,438,000 | 39,090,000 |
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