Call reports 2004
BANK OF WOLCOTT — 2004
What BANK OF WOLCOTT reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 67,363,000 | 65,259,000 | 67,866,000 | 68,897,000 |
| Total loans | 42,009,000 | 46,264,000 | 49,444,000 | 49,947,000 |
| Allowance for loan losses | 521,000 | 426,000 | 532,000 | 532,000 |
| Securities available for sale | 15,642,000 | 14,857,000 | 14,269,000 | 13,455,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,909,000 | 52,073,000 | 52,901,000 | 56,307,000 |
| Interest-bearing deposits | 46,331,000 | 43,122,000 | 43,712,000 | 46,881,000 |
| Noninterest-bearing deposits | 9,578,000 | 8,951,000 | 9,189,000 | 9,426,000 |
| Equity capital | 7,821,000 | 7,655,000 | 7,966,000 | 7,854,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 903,000 | 1,784,000 | 2,780,000 | 3,728,000 |
| Interest expense | 220,000 | 425,000 | 651,000 | 902,000 |
| Net interest income | 683,000 | 1,359,000 | 2,129,000 | 2,826,000 |
| Noninterest income | 79,000 | 160,000 | 243,000 | 328,000 |
| Noninterest expense | 536,000 | 1,007,000 | 1,539,000 | 2,060,000 |
| Provision for loan losses | 15,000 | 30,000 | 137,000 | 152,000 |
| Pretax income | 211,000 | 497,000 | 681,000 | 957,000 |
| Income tax | 74,000 | 147,000 | 220,000 | 287,000 |
| Net income | 137,000 | 350,000 | 461,000 | 670,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,537,000 | 7,724,000 | 7,836,000 | 7,766,000 |
| Total capital | 8,058,000 | 8,150,000 | 8,368,000 | 8,298,000 |
| Risk-weighted assets | 45,545,000 | 47,589,000 | 50,258,000 | 50,653,000 |
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