Call reports 2015
BANK OF WHITEWATER — 2015
What BANK OF WHITEWATER reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 21,298,000 | 22,407,000 | 22,499,000 | 22,580,000 |
| Total loans | 11,454,000 | 10,888,000 | 11,556,000 | 11,873,000 |
| Allowance for loan losses | 288,000 | 285,000 | 272,000 | 265,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,550,000 | 4,569,000 | 4,654,000 | 4,101,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,459,000 | 20,554,000 | 19,484,000 | 19,238,000 |
| Interest-bearing deposits | 14,031,000 | 14,495,000 | 14,309,000 | 13,771,000 |
| Noninterest-bearing deposits | 5,428,000 | 6,059,000 | 5,175,000 | 5,467,000 |
| Equity capital | 1,829,000 | 1,837,000 | 1,858,000 | 1,866,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 215,000 | 430,000 | 649,000 | 872,000 |
| Interest expense | 11,000 | 22,000 | 33,000 | 44,000 |
| Net interest income | 204,000 | 408,000 | 616,000 | 828,000 |
| Noninterest income | 14,000 | 32,000 | 48,000 | 65,000 |
| Noninterest expense | 150,000 | 311,000 | 484,000 | 665,000 |
| Provision for loan losses | 9,000 | 12,000 | 12,000 | 12,000 |
| Pretax income | 59,000 | 117,000 | 168,000 | 216,000 |
| Income tax | 0 | 1,000 | 3,000 | 8,000 |
| Net income | 59,000 | 116,000 | 165,000 | 208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,829,000 | 1,837,000 | 1,858,000 | 1,866,000 |
| Total capital | 1,976,000 | 1,989,000 | 2,021,000 | 2,028,000 |
| Risk-weighted assets | 11,639,000 | 12,043,000 | 12,964,000 | 12,869,000 |