Call reports 2014
WISCONSIN RIVER BANK — 2014
What WISCONSIN RIVER BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 78,556,000 | 80,044,000 | 85,617,000 | 96,716,000 |
| Total loans | 59,711,000 | 62,744,000 | 70,338,000 | 74,222,000 |
| Allowance for loan losses | 1,075,000 | 1,085,000 | 1,049,000 | 1,058,000 |
| Securities available for sale | 9,217,000 | 8,772,000 | 8,413,000 | 8,425,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,338,000 | 67,039,000 | 73,055,000 | 83,779,000 |
| Interest-bearing deposits | 53,563,000 | 55,093,000 | 61,531,000 | 69,776,000 |
| Noninterest-bearing deposits | 11,775,000 | 11,946,000 | 11,524,000 | 14,003,000 |
| Equity capital | 9,721,000 | 9,930,000 | 10,093,000 | 10,284,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 782,000 | 1,618,000 | 2,457,000 | 3,352,000 |
| Interest expense | 117,000 | 225,000 | 336,000 | 459,000 |
| Net interest income | 665,000 | 1,393,000 | 2,121,000 | 2,893,000 |
| Noninterest income | 24,000 | 58,000 | 85,000 | 120,000 |
| Noninterest expense | 475,000 | 938,000 | 1,410,000 | 1,903,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 205,000 | 495,000 | 769,000 | 1,074,000 |
| Income tax | 70,000 | 174,000 | 271,000 | 382,000 |
| Net income | 135,000 | 321,000 | 498,000 | 692,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,281,000 | 9,467,000 | 9,643,000 | 9,954,000 |
| Total capital | 10,082,000 | 10,295,000 | 10,542,000 | 10,909,000 |
| Risk-weighted assets | 63,842,000 | 66,025,000 | 71,800,000 | 76,266,000 |
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