Call reports 2013
BANK OF WHITEWATER — 2013
What BANK OF WHITEWATER reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 20,937,000 | 20,582,000 | 21,129,000 | 20,692,000 |
| Total loans | 11,699,000 | 11,385,000 | 11,283,000 | 11,252,000 |
| Allowance for loan losses | 382,000 | 393,000 | 393,000 | 376,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,640,000 | 4,238,000 | 4,480,000 | 4,175,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,191,000 | 18,810,000 | 19,338,000 | 18,918,000 |
| Interest-bearing deposits | 13,785,000 | 13,545,000 | 14,335,000 | 13,861,000 |
| Noninterest-bearing deposits | 5,406,000 | 5,265,000 | 5,003,000 | 5,057,000 |
| Equity capital | 1,735,000 | 1,762,000 | 1,784,000 | 1,765,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 214,000 | 438,000 | 663,000 | 884,000 |
| Interest expense | 16,000 | 31,000 | 47,000 | 62,000 |
| Net interest income | 198,000 | 407,000 | 616,000 | 822,000 |
| Noninterest income | 21,000 | 44,000 | 61,000 | 77,000 |
| Noninterest expense | 149,000 | 294,000 | 439,000 | 621,000 |
| Provision for loan losses | 8,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 62,000 | 142,000 | 223,000 | 263,000 |
| Income tax | 9,000 | 12,000 | 15,000 | 19,000 |
| Net income | 53,000 | 130,000 | 208,000 | 244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,735,000 | 1,762,000 | 1,784,000 | 1,765,000 |
| Total capital | 1,891,000 | 1,914,000 | 1,928,000 | 1,906,000 |
| Risk-weighted assets | 12,232,000 | 11,899,000 | 11,313,000 | 11,073,000 |