Call reports 2020
WISCONSIN RIVER BANK — 2020
What WISCONSIN RIVER BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 146,907,000 | 160,412,000 | 158,049,000 | 161,433,000 |
| Total loans | 120,224,000 | 132,160,000 | 129,226,000 | 116,506,000 |
| Allowance for loan losses | 2,092,000 | 2,204,000 | 2,264,000 | 2,324,000 |
| Securities available for sale | 8,431,000 | 7,763,000 | 7,533,000 | 7,290,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,640,000 | 124,687,000 | 129,112,000 | 132,254,000 |
| Interest-bearing deposits | 94,234,000 | 100,799,000 | 104,243,000 | 107,574,000 |
| Noninterest-bearing deposits | 19,406,000 | 23,888,000 | 24,869,000 | 24,680,000 |
| Equity capital | 15,508,000 | 16,347,000 | 16,784,000 | 17,321,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,634,000 | 3,413,000 | 5,119,000 | 6,841,000 |
| Interest expense | 542,000 | 1,041,000 | 1,471,000 | 1,839,000 |
| Net interest income | 1,092,000 | 2,372,000 | 3,648,000 | 5,002,000 |
| Noninterest income | 113,000 | 314,000 | 340,000 | 424,000 |
| Noninterest expense | 785,000 | 1,535,000 | 2,245,000 | 2,914,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 360,000 | 1,031,000 | 1,563,000 | 2,272,000 |
| Income tax | 60,000 | 205,000 | 312,000 | 468,000 |
| Net income | 300,000 | 826,000 | 1,251,000 | 1,804,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,254,000 | 15,780,000 | 16,205,000 | 16,758,000 |
| Total capital | 16,585,000 | 17,172,000 | — | — |
| Risk-weighted assets | 105,721,000 | 110,580,000 | — | — |