Call reports 2013
WISCONSIN RIVER BANK — 2013
What WISCONSIN RIVER BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 72,224,000 | 73,883,000 | 73,161,000 | 77,357,000 |
| Total loans | 49,370,000 | 50,614,000 | 57,418,000 | 60,984,000 |
| Allowance for loan losses | 977,000 | 996,000 | 1,022,000 | 1,065,000 |
| Securities available for sale | 10,573,000 | 10,683,000 | 9,751,000 | 9,319,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,422,000 | 60,698,000 | 59,584,000 | 63,371,000 |
| Interest-bearing deposits | 48,530,000 | 49,740,000 | 49,131,000 | 50,126,000 |
| Noninterest-bearing deposits | 10,892,000 | 10,958,000 | 10,453,000 | 13,245,000 |
| Equity capital | 9,245,000 | 9,261,000 | 9,464,000 | 9,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 657,000 | 1,327,000 | 2,185,000 | 2,962,000 |
| Interest expense | 104,000 | 211,000 | 320,000 | 430,000 |
| Net interest income | 553,000 | 1,116,000 | 1,865,000 | 2,532,000 |
| Noninterest income | -10,000 | 62,000 | -4,000 | -33,000 |
| Noninterest expense | 473,000 | 926,000 | 1,222,000 | 1,656,000 |
| Provision for loan losses | 25,000 | 50,000 | 75,000 | 101,000 |
| Pretax income | 45,000 | 202,000 | 567,000 | 745,000 |
| Income tax | 4,000 | 54,000 | 188,000 | 248,000 |
| Net income | 41,000 | 148,000 | 379,000 | 497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,441,000 | 8,547,000 | 8,778,000 | 9,146,000 |
| Total capital | 9,132,000 | 9,247,000 | 9,550,000 | 9,967,000 |
| Risk-weighted assets | 54,959,000 | 55,737,000 | 61,528,000 | 65,412,000 |
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