Call reports 2012
WISCONSIN RIVER BANK — 2012
What WISCONSIN RIVER BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 66,321,000 | 65,013,000 | 66,945,000 | 67,884,000 |
| Total loans | 45,797,000 | 47,284,000 | 44,704,000 | 44,044,000 |
| Allowance for loan losses | 1,510,000 | 1,506,000 | 1,432,000 | 978,000 |
| Securities available for sale | 10,552,000 | 10,435,000 | 11,219,000 | 10,838,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,602,000 | 52,994,000 | 54,791,000 | 55,858,000 |
| Interest-bearing deposits | 45,084,000 | 43,634,000 | 45,215,000 | 43,863,000 |
| Noninterest-bearing deposits | 9,518,000 | 9,360,000 | 9,576,000 | 11,995,000 |
| Equity capital | 9,146,000 | 9,222,000 | 9,295,000 | 9,218,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 715,000 | 1,441,000 | 2,156,000 | 2,857,000 |
| Interest expense | 122,000 | 237,000 | 353,000 | 458,000 |
| Net interest income | 593,000 | 1,204,000 | 1,803,000 | 2,399,000 |
| Noninterest income | 40,000 | 55,000 | 69,000 | 90,000 |
| Noninterest expense | 507,000 | 1,008,000 | 1,518,000 | 2,205,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 103,000 | 206,000 | 286,000 | 194,000 |
| Income tax | 31,000 | 64,000 | 83,000 | 44,000 |
| Net income | 72,000 | 142,000 | 203,000 | 150,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,277,000 | 8,347,000 | 8,408,000 | 8,399,000 |
| Total capital | 8,936,000 | 9,020,000 | 9,052,000 | 9,069,000 |
| Risk-weighted assets | 51,264,000 | 52,405,000 | 50,758,000 | 52,669,000 |
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