Call reports 2023
WISCONSIN RIVER BANK — 2023
What WISCONSIN RIVER BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 170,125,000 | 159,949,000 | 169,201,000 | 169,404,000 |
| Total loans | 144,643,000 | 143,564,000 | 139,256,000 | 137,324,000 |
| Allowance for loan losses | 2,474,000 | 2,474,000 | 2,259,000 | 1,684,000 |
| Securities available for sale | 8,548,000 | 8,048,000 | 7,878,000 | 7,435,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,146,000 | 133,360,000 | 141,738,000 | 140,698,000 |
| Interest-bearing deposits | 117,691,000 | 104,434,000 | 114,593,000 | 116,554,000 |
| Noninterest-bearing deposits | 26,455,000 | 28,926,000 | 27,145,000 | 24,144,000 |
| Equity capital | 22,198,000 | 22,611,000 | 23,164,000 | 24,231,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,876,000 | 3,807,000 | 5,805,000 | 7,961,000 |
| Interest expense | 422,000 | 947,000 | 1,585,000 | 2,440,000 |
| Net interest income | 1,454,000 | 2,860,000 | 4,220,000 | 5,521,000 |
| Noninterest income | 19,000 | 38,000 | 59,000 | 187,000 |
| Noninterest expense | 816,000 | 1,598,000 | 2,354,000 | 3,065,000 |
| Provision for loan losses | 15,000 | 15,000 | -200,000 | -775,000 |
| Pretax income | 642,000 | 1,285,000 | 1,910,000 | 3,332,000 |
| Income tax | 168,000 | 337,000 | 348,000 | 848,000 |
| Net income | 474,000 | 948,000 | 1,562,000 | 2,484,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,908,000 | 22,350,000 | 22,963,000 | 24,150,000 |