Call reports 2019
WISCONSIN RIVER BANK — 2019
What WISCONSIN RIVER BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 126,440,000 | 143,014,000 | 141,875,000 | 147,046,000 |
| Total loans | 112,212,000 | 117,488,000 | 116,450,000 | 119,866,000 |
| Allowance for loan losses | 1,852,000 | 1,912,000 | 1,972,000 | 2,032,000 |
| Securities available for sale | 5,031,000 | 6,849,000 | 11,094,000 | 10,345,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,755,000 | 107,149,000 | 105,935,000 | 110,525,000 |
| Interest-bearing deposits | 76,872,000 | 91,802,000 | 88,361,000 | 92,666,000 |
| Noninterest-bearing deposits | 14,883,000 | 15,347,000 | 17,574,000 | 17,859,000 |
| Equity capital | 14,307,000 | 14,674,000 | 15,045,000 | 15,395,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,531,000 | 3,190,000 | 4,900,000 | 6,535,000 |
| Interest expense | 412,000 | 928,000 | 1,506,000 | 2,071,000 |
| Net interest income | 1,119,000 | 2,262,000 | 3,394,000 | 4,464,000 |
| Noninterest income | 34,000 | 69,000 | 105,000 | 150,000 |
| Noninterest expense | 618,000 | 1,272,000 | 1,936,000 | 2,593,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 475,000 | 939,000 | 1,383,000 | 1,781,000 |
| Income tax | 146,000 | 285,000 | 396,000 | 454,000 |
| Net income | 329,000 | 654,000 | 987,000 | 1,327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,120,000 | 14,446,000 | 14,778,000 | 14,925,000 |
| Total capital | 15,362,000 | 15,780,000 | 16,102,000 | 16,252,000 |
| Risk-weighted assets | 98,761,000 | 106,161,000 | 105,311,000 | 105,490,000 |