Call reports 2018
WCF FINANCIAL BANK — 2018
What WCF FINANCIAL BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 124,421,000 | 119,152,000 | 116,027,000 | 130,622,000 |
| Total loans | 67,306,000 | 65,589,000 | 64,551,000 | 64,304,000 |
| Allowance for loan losses | 557,000 | 531,000 | 527,000 | 509,000 |
| Securities available for sale | 42,195,000 | 40,493,000 | 38,694,000 | 40,317,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,696,000 | 83,472,000 | 79,495,000 | 84,774,000 |
| Interest-bearing deposits | 83,309,000 | 78,438,000 | 74,406,000 | 79,364,000 |
| Noninterest-bearing deposits | 5,387,000 | 5,034,000 | 5,089,000 | 5,410,000 |
| Equity capital | 18,724,000 | 18,670,000 | 18,592,000 | 18,875,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 975,000 | 2,010,000 | 3,026,000 | 3,986,000 |
| Interest expense | 254,000 | 509,000 | 787,000 | 1,101,000 |
| Net interest income | 721,000 | 1,501,000 | 2,239,000 | 2,885,000 |
| Noninterest income | 538,000 | 677,000 | 800,000 | 930,000 |
| Noninterest expense | 803,000 | 1,647,000 | 2,524,000 | 3,390,000 |
| Provision for loan losses | 20,000 | 39,000 | 59,000 | 78,000 |
| Pretax income | 424,000 | 478,000 | 442,000 | 333,000 |
| Income tax | 102,000 | 97,000 | 79,000 | 30,000 |
| Net income | 322,000 | 381,000 | 363,000 | 303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,486,000 | 19,568,000 | 19,533,000 | 19,567,000 |
| Total capital | 20,043,000 | 20,099,000 | 20,060,000 | 20,076,000 |
| Risk-weighted assets | 55,061,000 | 50,404,000 | 57,007,000 | 56,960,000 |
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