Call reports 2015
WCF FINANCIAL BANK — 2015
What WCF FINANCIAL BANK 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 | 110,470,000 | 112,641,000 | 108,274,000 | 112,329,000 |
| Total loans | 55,522,000 | 57,263,000 | 57,952,000 | 57,919,000 |
| Allowance for loan losses | 373,000 | 397,000 | 447,000 | 505,000 |
| Securities available for sale | 38,148,000 | 41,165,000 | 36,834,000 | 36,353,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,752,000 | 95,030,000 | 89,534,000 | 89,107,000 |
| Interest-bearing deposits | 89,973,000 | 89,685,000 | 84,557,000 | 84,534,000 |
| Noninterest-bearing deposits | 4,779,000 | 5,345,000 | 4,977,000 | 4,573,000 |
| Equity capital | 13,036,000 | 13,029,000 | 13,095,000 | 13,179,000 |
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 | 947,000 | 1,875,000 | 2,791,000 | 3,717,000 |
| Interest expense | 170,000 | 333,000 | 484,000 | 613,000 |
| Net interest income | 777,000 | 1,542,000 | 2,307,000 | 3,104,000 |
| Noninterest income | 65,000 | 153,000 | 107,000 | 455,000 |
| Noninterest expense | 664,000 | 1,322,000 | 2,035,000 | 3,135,000 |
| Provision for loan losses | 40,000 | 80,000 | 130,000 | 190,000 |
| Pretax income | 311,000 | 484,000 | 457,000 | 442,000 |
| Income tax | 82,000 | 116,000 | 71,000 | 39,000 |
| Net income | 229,000 | 368,000 | 386,000 | 403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,855,000 | 12,994,000 | 13,013,000 | 13,024,000 |
| Total capital | 13,228,000 | 13,391,000 | 13,460,000 | 13,529,000 |
| Risk-weighted assets | 46,645,000 | 48,049,000 | 48,240,000 | 48,694,000 |