Call reports 2011
BANK OF WHITEWATER — 2011
What BANK OF WHITEWATER reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 16,916,000 | 16,859,000 | 17,018,000 | 18,832,000 |
| Total loans | 11,417,000 | 10,689,000 | 10,936,000 | 11,042,000 |
| Allowance for loan losses | 289,000 | 323,000 | 348,000 | 359,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,717,000 | 4,309,000 | 4,395,000 | 4,758,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,350,000 | 15,339,000 | 15,465,000 | 17,276,000 |
| Interest-bearing deposits | 12,115,000 | 11,513,000 | 11,923,000 | 13,073,000 |
| Noninterest-bearing deposits | 3,235,000 | 3,826,000 | 3,542,000 | 4,203,000 |
| Equity capital | 1,547,000 | 1,504,000 | 1,536,000 | 1,548,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 220,000 | 444,000 | 673,000 | 898,000 |
| Interest expense | 25,000 | 47,000 | 69,000 | 88,000 |
| Net interest income | 195,000 | 397,000 | 604,000 | 810,000 |
| Noninterest income | 22,000 | 50,000 | 50,000 | 81,000 |
| Noninterest expense | 152,000 | 299,000 | 450,000 | 587,000 |
| Provision for loan losses | 23,000 | 128,000 | 150,000 | 235,000 |
| Pretax income | 42,000 | 20,000 | 54,000 | 69,000 |
| Income tax | 1,000 | 3,000 | 6,000 | 8,000 |
| Net income | 41,000 | 17,000 | 48,000 | 61,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,547,000 | 1,504,000 | 1,536,000 | 1,548,000 |
| Total capital | 1,685,000 | 1,635,000 | 1,669,000 | 1,688,000 |
| Risk-weighted assets | 10,878,000 | 10,291,000 | 10,417,000 | 10,980,000 |