Call reports 2006
BANK OF WOLCOTT — 2006
What BANK OF WOLCOTT reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 66,455,000 | 66,321,000 | 65,736,000 | 66,141,000 |
| Total loans | 48,657,000 | 47,861,000 | 48,442,000 | 47,335,000 |
| Allowance for loan losses | 588,000 | 599,000 | 600,000 | 619,000 |
| Securities available for sale | 11,062,000 | 10,936,000 | 10,924,000 | 10,906,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,606,000 | 54,951,000 | 54,056,000 | 54,730,000 |
| Interest-bearing deposits | 39,035,000 | 44,359,000 | 44,391,000 | 44,122,000 |
| Noninterest-bearing deposits | 13,571,000 | 10,592,000 | 9,665,000 | 10,608,000 |
| Equity capital | 7,777,000 | 7,924,000 | 8,148,000 | 7,966,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,047,000 | 2,141,000 | 3,190,000 | 4,272,000 |
| Interest expense | 375,000 | 784,000 | 1,210,000 | 1,663,000 |
| Net interest income | 672,000 | 1,357,000 | 1,980,000 | 2,609,000 |
| Noninterest income | 126,000 | 250,000 | 430,000 | 556,000 |
| Noninterest expense | 528,000 | 1,032,000 | 1,595,000 | 2,087,000 |
| Provision for loan losses | 75,000 | 90,000 | 105,000 | 120,000 |
| Pretax income | 195,000 | 485,000 | 710,000 | 907,000 |
| Income tax | 57,000 | 119,000 | 177,000 | 271,000 |
| Net income | 138,000 | 366,000 | 533,000 | 636,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,885,000 | 8,113,000 | 8,281,000 | 8,030,000 |
| Total capital | 8,473,000 | 8,712,000 | 8,881,000 | 8,645,000 |
| Risk-weighted assets | 49,984,000 | 49,413,000 | 49,878,000 | 49,207,000 |
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