Call reports 2012
BANK OF WHITEWATER — 2012
What BANK OF WHITEWATER reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 20,019,000 | 19,587,000 | 20,855,000 | 20,858,000 |
| Total loans | 10,924,000 | 10,560,000 | 10,653,000 | 11,666,000 |
| Allowance for loan losses | 390,000 | 416,000 | 418,000 | 399,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,414,000 | 5,346,000 | 4,943,000 | 4,437,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,352,000 | 17,899,000 | 19,137,000 | 18,398,000 |
| Interest-bearing deposits | 14,144,000 | 13,151,000 | 13,720,000 | 14,082,000 |
| Noninterest-bearing deposits | 4,208,000 | 4,748,000 | 5,417,000 | 4,316,000 |
| Equity capital | 1,615,000 | 1,668,000 | 1,706,000 | 1,702,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 222,000 | 443,000 | 669,000 | 897,000 |
| Interest expense | 21,000 | 40,000 | 59,000 | 76,000 |
| Net interest income | 201,000 | 403,000 | 610,000 | 821,000 |
| Noninterest income | 30,000 | 57,000 | 86,000 | 109,000 |
| Noninterest expense | 140,000 | 269,000 | 408,000 | 589,000 |
| Provision for loan losses | 30,000 | 55,000 | 55,000 | 76,000 |
| Pretax income | 61,000 | 136,000 | 233,000 | 265,000 |
| Income tax | -6,000 | -5,000 | -3,000 | -2,000 |
| Net income | 67,000 | 141,000 | 236,000 | 267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,615,000 | 1,668,000 | 1,706,000 | 1,702,000 |
| Total capital | 1,759,000 | 1,805,000 | 1,841,000 | 1,857,000 |
| Risk-weighted assets | 11,160,000 | 10,795,000 | 10,377,000 | 12,165,000 |