Call reports 2005
WISCONSIN RIVER BANK — 2005
What WISCONSIN RIVER BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 47,017,000 | 48,504,000 | 49,701,000 | 53,586,000 |
| Total loans | 37,351,000 | 40,237,000 | 39,294,000 | 37,590,000 |
| Allowance for loan losses | 449,000 | 472,000 | 467,000 | 467,000 |
| Securities available for sale | 7,141,000 | 6,315,000 | 5,917,000 | 9,008,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,383,000 | 40,204,000 | 42,860,000 | 46,579,000 |
| Interest-bearing deposits | 34,001,000 | 34,176,000 | 36,145,000 | 39,126,000 |
| Noninterest-bearing deposits | 5,382,000 | 6,028,000 | 6,715,000 | 7,453,000 |
| Equity capital | 4,785,000 | 4,886,000 | 5,004,000 | 5,132,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 675,000 | 1,395,000 | 2,166,000 | 2,985,000 |
| Interest expense | 192,000 | 419,000 | 677,000 | 988,000 |
| Net interest income | 483,000 | 976,000 | 1,489,000 | 1,997,000 |
| Noninterest income | 58,000 | 111,000 | 162,000 | 222,000 |
| Noninterest expense | 356,000 | 752,000 | 1,111,000 | 1,457,000 |
| Provision for loan losses | 5,000 | 39,000 | 40,000 | 40,000 |
| Pretax income | 180,000 | 296,000 | 500,000 | 722,000 |
| Income tax | 73,000 | 120,000 | 203,000 | 256,000 |
| Net income | 107,000 | 176,000 | 297,000 | 466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,880,000 | 4,949,000 | 5,070,000 | 5,239,000 |
| Total capital | 5,329,000 | 5,421,000 | 5,537,000 | 5,706,000 |
| Risk-weighted assets | 38,305,000 | 40,292,000 | 39,886,000 | 41,037,000 |
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