Call reports 2005
BANK OF WOLCOTT — 2005
What BANK OF WOLCOTT reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 66,103,000 | 68,146,000 | 68,871,000 | 69,409,000 |
| Total loans | 49,341,000 | 51,635,000 | 51,972,000 | 49,578,000 |
| Allowance for loan losses | 540,000 | 561,000 | 508,000 | 510,000 |
| Securities available for sale | 12,506,000 | 12,251,000 | 11,980,000 | 11,526,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,231,000 | 52,956,000 | 52,630,000 | 55,328,000 |
| Interest-bearing deposits | 41,106,000 | 43,315,000 | 42,932,000 | 44,875,000 |
| Noninterest-bearing deposits | 10,125,000 | 9,641,000 | 9,698,000 | 10,453,000 |
| Equity capital | 7,869,000 | 8,123,000 | 8,165,000 | 8,020,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 973,000 | 1,991,000 | 3,048,000 | 4,043,000 |
| Interest expense | 257,000 | 557,000 | 895,000 | 1,261,000 |
| Net interest income | 716,000 | 1,434,000 | 2,153,000 | 2,782,000 |
| Noninterest income | 99,000 | 198,000 | 307,000 | 461,000 |
| Noninterest expense | 588,000 | 1,085,000 | 1,623,000 | 2,087,000 |
| Provision for loan losses | 15,000 | 30,000 | 132,000 | 147,000 |
| Pretax income | 216,000 | 521,000 | 709,000 | 1,032,000 |
| Income tax | 72,000 | 144,000 | 216,000 | 311,000 |
| Net income | 144,000 | 377,000 | 493,000 | 721,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,910,000 | 8,124,000 | 8,203,000 | 8,111,000 |
| Total capital | 8,450,000 | 8,685,000 | 8,711,000 | 8,621,000 |
| Risk-weighted assets | 49,166,000 | 51,322,000 | 52,012,000 | 51,026,000 |
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