Call reports 2008
WISCONSIN RIVER BANK — 2008
What WISCONSIN RIVER BANK 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 | 66,041,000 | 65,159,000 | 66,240,000 | 66,817,000 |
| Total loans | 54,531,000 | 52,579,000 | 53,641,000 | 54,028,000 |
| Allowance for loan losses | 678,000 | 700,000 | 696,000 | 808,000 |
| Securities available for sale | 8,896,000 | 9,547,000 | 9,547,000 | 9,693,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,177,000 | 56,710,000 | 55,127,000 | 54,736,000 |
| Interest-bearing deposits | 47,325,000 | 49,043,000 | 46,688,000 | 46,614,000 |
| Noninterest-bearing deposits | 6,852,000 | 7,667,000 | 8,439,000 | 8,122,000 |
| Equity capital | 6,042,000 | 5,965,000 | 6,016,000 | 6,112,000 |
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 | 1,132,000 | 2,217,000 | 3,309,000 | 4,340,000 |
| Interest expense | 546,000 | 1,053,000 | 1,514,000 | 1,925,000 |
| Net interest income | 586,000 | 1,164,000 | 1,795,000 | 2,415,000 |
| Noninterest income | 60,000 | 124,000 | 178,000 | 227,000 |
| Noninterest expense | 527,000 | 1,076,000 | 1,641,000 | 2,197,000 |
| Provision for loan losses | 43,000 | 65,000 | 96,000 | 208,000 |
| Pretax income | 76,000 | 147,000 | 236,000 | 237,000 |
| Income tax | 14,000 | 31,000 | 58,000 | 52,000 |
| Net income | 62,000 | 116,000 | 178,000 | 185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,958,000 | 6,012,000 | 6,074,000 | 6,081,000 |
| Total capital | 6,636,000 | 6,690,000 | 6,770,000 | 6,780,000 |
| Risk-weighted assets | 56,510,000 | 54,185,000 | 56,003,000 | 55,796,000 |
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