Call reports 2015
WISCONSIN RIVER BANK — 2015
What WISCONSIN RIVER BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 94,280,000 | 97,932,000 | 98,333,000 | 106,033,000 |
| Total loans | 78,067,000 | 84,261,000 | 84,783,000 | 88,714,000 |
| Allowance for loan losses | 1,089,000 | 1,119,000 | 1,150,000 | 1,180,000 |
| Securities available for sale | 8,372,000 | 7,854,000 | 7,358,000 | 7,445,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,672,000 | 84,233,000 | 85,131,000 | 91,829,000 |
| Interest-bearing deposits | 69,274,000 | 71,473,000 | 72,586,000 | 76,934,000 |
| Noninterest-bearing deposits | 12,398,000 | 12,760,000 | 12,545,000 | 14,895,000 |
| Equity capital | 10,443,000 | 10,604,000 | 10,815,000 | 10,996,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 917,000 | 1,882,000 | 2,892,000 | 3,910,000 |
| Interest expense | 138,000 | 276,000 | 423,000 | 577,000 |
| Net interest income | 779,000 | 1,606,000 | 2,469,000 | 3,333,000 |
| Noninterest income | 38,000 | 74,000 | 104,000 | 138,000 |
| Noninterest expense | 527,000 | 1,058,000 | 1,601,000 | 2,152,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 272,000 | 574,000 | 894,000 | 1,211,000 |
| Income tax | 98,000 | 212,000 | 331,000 | 449,000 |
| Net income | 174,000 | 362,000 | 563,000 | 762,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,127,000 | 10,315,000 | 10,516,000 | 10,783,000 |
| Total capital | 11,080,000 | 11,366,000 | 11,530,000 | 11,857,000 |
| Risk-weighted assets | 76,848,000 | 83,902,000 | 80,847,000 | 85,687,000 |
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