Call reports 2022
WISCONSIN RIVER BANK — 2022
What WISCONSIN RIVER BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 192,673,000 | 185,799,000 | 179,444,000 | 172,313,000 |
| Total loans | 145,152,000 | 143,132,000 | 151,085,000 | 143,696,000 |
| Allowance for loan losses | 2,414,000 | 2,429,000 | 2,444,000 | 2,459,000 |
| Securities available for sale | 4,962,000 | 9,121,000 | 8,809,000 | 8,576,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,945,000 | 161,761,000 | 154,890,000 | 147,138,000 |
| Interest-bearing deposits | 136,062,000 | 132,164,000 | 125,157,000 | 119,771,000 |
| Noninterest-bearing deposits | 27,883,000 | 29,597,000 | 29,733,000 | 27,367,000 |
| Equity capital | 20,052,000 | 20,562,000 | 21,045,000 | 21,665,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,688,000 | 3,505,000 | 5,364,000 | 7,260,000 |
| Interest expense | 198,000 | 393,000 | 591,000 | 855,000 |
| Net interest income | 1,490,000 | 3,112,000 | 4,773,000 | 6,405,000 |
| Noninterest income | 59,000 | 93,000 | 126,000 | 144,000 |
| Noninterest expense | 738,000 | 1,536,000 | 2,337,000 | 3,156,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 796,000 | 1,639,000 | 2,517,000 | 3,333,000 |
| Income tax | 209,000 | 432,000 | 665,000 | 880,000 |
| Net income | 587,000 | 1,207,000 | 1,852,000 | 2,453,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,615,000 | 20,188,000 | 20,833,000 | 21,435,000 |