Call reports 2005
COMMUNITY BANK OF CENTRAL WISCONSIN — 2005
What COMMUNITY BANK OF CENTRAL WISCONSIN reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 95,953,000 | 96,079,000 | 105,248,000 | 107,517,000 |
| Total loans | 68,275,000 | 73,915,000 | 76,362,000 | 79,381,000 |
| Allowance for loan losses | 907,000 | 888,000 | 863,000 | 910,000 |
| Securities available for sale | 11,789,000 | 11,800,000 | 12,440,000 | 12,432,000 |
| Securities held to maturity | 0 | 295,000 | 294,000 | 294,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,015,000 | 74,359,000 | 84,681,000 | 86,734,000 |
| Interest-bearing deposits | 70,067,000 | 66,870,000 | 77,248,000 | 78,881,000 |
| Noninterest-bearing deposits | 5,948,000 | 7,489,000 | 7,433,000 | 7,853,000 |
| Equity capital | 12,275,000 | 12,471,000 | 12,675,000 | 12,725,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,159,000 | 2,368,000 | 3,746,000 | 5,190,000 |
| Interest expense | 420,000 | 890,000 | 1,489,000 | 2,158,000 |
| Net interest income | 739,000 | 1,478,000 | 2,257,000 | 3,032,000 |
| Noninterest income | 356,000 | 720,000 | 1,055,000 | 1,319,000 |
| Noninterest expense | 788,000 | 1,594,000 | 2,342,000 | 3,098,000 |
| Provision for loan losses | -17,000 | 58,000 | 118,000 | 163,000 |
| Pretax income | 324,000 | 546,000 | 852,000 | 1,090,000 |
| Income tax | 88,000 | 87,000 | 130,000 | 189,000 |
| Net income | 236,000 | 459,000 | 722,000 | 901,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,617,000 | 9,748,000 | 9,959,000 | 10,107,000 |
| Total capital | 10,524,000 | 10,636,000 | 10,822,000 | 11,017,000 |
| Risk-weighted assets | 72,878,000 | 76,207,000 | 75,765,000 | 77,949,000 |