Call reports 2016
BANK OF WHITEWATER — 2016
What BANK OF WHITEWATER reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 20,910,000 | 20,541,000 | 20,753,000 | 20,328,000 |
| Total loans | 11,197,000 | 11,078,000 | 11,133,000 | 11,102,000 |
| Allowance for loan losses | 263,000 | 266,000 | 267,000 | 269,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,004,000 | 3,777,000 | 4,324,000 | 3,951,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,820,000 | 18,527,000 | 18,337,000 | 18,416,000 |
| Interest-bearing deposits | 14,148,000 | 13,914,000 | 13,624,000 | 13,264,000 |
| Noninterest-bearing deposits | 4,672,000 | 4,613,000 | 4,713,000 | 5,152,000 |
| Equity capital | 1,904,000 | 1,926,000 | 1,933,000 | 1,895,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 219,000 | 429,000 | 643,000 | 848,000 |
| Interest expense | 10,000 | 20,000 | 31,000 | 41,000 |
| Net interest income | 209,000 | 409,000 | 612,000 | 807,000 |
| Noninterest income | 15,000 | 34,000 | 50,000 | 66,000 |
| Noninterest expense | 146,000 | 286,000 | 430,000 | 612,000 |
| Provision for loan losses | 3,000 | 3,000 | 3,000 | 3,000 |
| Pretax income | 75,000 | 154,000 | 229,000 | 258,000 |
| Income tax | 2,000 | 3,000 | 8,000 | 12,000 |
| Net income | 73,000 | 151,000 | 221,000 | 246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,904,000 | 1,926,000 | 1,933,000 | 1,895,000 |
| Total capital | 2,058,000 | 2,077,000 | 2,085,000 | 2,045,000 |
| Risk-weighted assets | 12,248,000 | 11,966,000 | 12,082,000 | 11,953,000 |