Call reports 2003
BANK OF WOLCOTT — 2003
What BANK OF WOLCOTT reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 61,876,000 | 62,282,000 | 60,398,000 | 65,746,000 |
| Total loans | 41,137,000 | 41,490,000 | 41,826,000 | 41,507,000 |
| Allowance for loan losses | 526,000 | 544,000 | 510,000 | 512,000 |
| Securities available for sale | 11,288,000 | 11,861,000 | 12,725,000 | 12,010,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,539,000 | 50,844,000 | 48,809,000 | 54,495,000 |
| Interest-bearing deposits | 42,290,000 | 42,951,000 | 41,494,000 | 45,955,000 |
| Noninterest-bearing deposits | 8,249,000 | 7,893,000 | 7,315,000 | 8,541,000 |
| Equity capital | 7,447,000 | 7,576,000 | 7,718,000 | 7,594,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 931,000 | 1,812,000 | 2,756,000 | 3,623,000 |
| Interest expense | 275,000 | 534,000 | 777,000 | 1,008,000 |
| Net interest income | 656,000 | 1,278,000 | 1,979,000 | 2,615,000 |
| Noninterest income | 73,000 | 141,000 | 324,000 | 406,000 |
| Noninterest expense | 455,000 | 941,000 | 1,393,000 | 1,900,000 |
| Provision for loan losses | 20,000 | 35,000 | 50,000 | 200,000 |
| Pretax income | 254,000 | 443,000 | 860,000 | 921,000 |
| Income tax | 72,000 | 160,000 | 292,000 | 234,000 |
| Net income | 182,000 | 283,000 | 568,000 | 687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,145,000 | 7,245,000 | 7,518,000 | 7,399,000 |
| Total capital | 7,671,000 | 7,789,000 | 8,028,000 | 7,911,000 |
| Risk-weighted assets | 43,829,000 | 43,880,000 | 44,264,000 | 45,138,000 |
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