Call reports 2009
WISCONSIN RIVER BANK — 2009
What WISCONSIN RIVER BANK 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 | 66,805,000 | 63,522,000 | 65,354,000 | 65,638,000 |
| Total loans | 52,377,000 | 50,393,000 | 49,555,000 | 49,078,000 |
| Allowance for loan losses | 586,000 | 873,000 | 784,000 | 1,047,000 |
| Securities available for sale | 10,162,000 | 9,757,000 | 10,626,000 | 13,061,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,218,000 | 53,667,000 | 56,568,000 | 56,337,000 |
| Interest-bearing deposits | 49,159,000 | 46,497,000 | 47,852,000 | 46,989,000 |
| Noninterest-bearing deposits | 7,059,000 | 7,170,000 | 8,716,000 | 9,348,000 |
| Equity capital | 6,215,000 | 6,083,000 | 6,232,000 | 5,890,000 |
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 | 955,000 | 1,879,000 | 2,744,000 | 3,619,000 |
| Interest expense | 355,000 | 679,000 | 965,000 | 1,222,000 |
| Net interest income | 600,000 | 1,200,000 | 1,779,000 | 2,397,000 |
| Noninterest income | 47,000 | 96,000 | 151,000 | 167,000 |
| Noninterest expense | 575,000 | 1,125,000 | 1,687,000 | 2,356,000 |
| Provision for loan losses | 68,000 | 402,000 | 464,000 | 1,017,000 |
| Pretax income | 4,000 | -168,000 | -158,000 | -746,000 |
| Income tax | -8,000 | -101,000 | -109,000 | -377,000 |
| Net income | 12,000 | -67,000 | -49,000 | -369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,093,000 | 6,014,000 | 6,033,000 | 5,375,000 |
| Total capital | 6,679,000 | 6,668,000 | 6,683,000 | 6,025,000 |
| Risk-weighted assets | 54,959,000 | 53,201,000 | 51,781,000 | 51,568,000 |
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