Call reports 2018
WISCONSIN RIVER BANK — 2018
What WISCONSIN RIVER BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 122,412,000 | 118,160,000 | 123,784,000 | 126,462,000 |
| Total loans | 107,408,000 | 105,035,000 | 109,383,000 | 114,945,000 |
| Allowance for loan losses | 1,612,000 | 1,672,000 | 1,732,000 | 1,792,000 |
| Securities available for sale | 5,493,000 | 5,326,000 | 5,163,000 | 5,078,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,562,000 | 95,648,000 | 98,228,000 | 94,321,000 |
| Interest-bearing deposits | 83,913,000 | 78,053,000 | 80,078,000 | 77,149,000 |
| Noninterest-bearing deposits | 16,649,000 | 17,595,000 | 18,150,000 | 17,172,000 |
| Equity capital | 12,939,000 | 13,209,000 | 13,526,000 | 13,933,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,354,000 | 2,711,000 | 4,162,000 | 5,682,000 |
| Interest expense | 255,000 | 527,000 | 834,000 | 1,191,000 |
| Net interest income | 1,099,000 | 2,184,000 | 3,328,000 | 4,491,000 |
| Noninterest income | 27,000 | 62,000 | 95,000 | 126,000 |
| Noninterest expense | 621,000 | 1,260,000 | 1,891,000 | 2,466,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 445,000 | 866,000 | 1,352,000 | 1,911,000 |
| Income tax | 144,000 | 281,000 | 437,000 | 615,000 |
| Net income | 301,000 | 585,000 | 915,000 | 1,296,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,797,000 | 13,081,000 | 13,411,000 | 13,792,000 |
| Total capital | 14,048,000 | 14,309,000 | 14,635,000 | 15,072,000 |
| Risk-weighted assets | 99,672,000 | 97,786,000 | 97,404,000 | 101,883,000 |
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