Call reports 2001
BANK OF WOLCOTT — 2001
What BANK OF WOLCOTT reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 54,083,000 | 56,279,000 | 56,368,000 | 59,578,000 |
| Total loans | 36,895,000 | 38,765,000 | 41,171,000 | 40,209,000 |
| Allowance for loan losses | 465,000 | 429,000 | 456,000 | 509,000 |
| Securities available for sale | 11,772,000 | 11,380,000 | 10,747,000 | 12,600,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,850,000 | 47,047,000 | 46,903,000 | 49,489,000 |
| Interest-bearing deposits | 39,553,000 | 40,729,000 | 39,485,000 | 41,253,000 |
| Noninterest-bearing deposits | 6,297,000 | 6,318,000 | 7,418,000 | 8,236,000 |
| Equity capital | 6,475,000 | 6,454,000 | 6,632,000 | 6,516,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,040,000 | 2,084,000 | 3,152,000 | 4,201,000 |
| Interest expense | 526,000 | 1,019,000 | 1,482,000 | 1,882,000 |
| Net interest income | 514,000 | 1,065,000 | 1,670,000 | 2,319,000 |
| Noninterest income | 85,000 | 162,000 | 221,000 | 290,000 |
| Noninterest expense | 432,000 | 860,000 | 1,274,000 | 1,795,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 30,000 |
| Pretax income | 173,000 | 378,000 | 617,000 | 799,000 |
| Income tax | 64,000 | 129,000 | 194,000 | 211,000 |
| Net income | 109,000 | 249,000 | 423,000 | 588,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,415,000 | 6,410,000 | 6,499,000 | 6,483,000 |
| Total capital | 6,880,000 | 6,839,000 | 6,955,000 | 6,992,000 |
| Risk-weighted assets | 38,770,000 | 40,001,000 | 41,888,000 | 41,576,000 |
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