Call reports 2007
BANK OF WOLCOTT — 2007
What BANK OF WOLCOTT reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 66,936,000 | 68,486,000 | 68,858,000 | 71,660,000 |
| Total loans | 47,803,000 | 49,572,000 | 52,285,000 | 54,469,000 |
| Allowance for loan losses | 638,000 | 652,000 | 668,000 | 664,000 |
| Securities available for sale | 11,111,000 | 11,189,000 | 11,653,000 | 11,873,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,358,000 | 56,906,000 | 55,085,000 | 59,537,000 |
| Interest-bearing deposits | 44,677,000 | 46,507,000 | 45,569,000 | 49,102,000 |
| Noninterest-bearing deposits | 10,681,000 | 10,399,000 | 9,516,000 | 10,435,000 |
| Equity capital | 8,038,000 | 8,166,000 | 8,469,000 | 8,321,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,087,000 | 2,224,000 | 3,425,000 | 4,598,000 |
| Interest expense | 449,000 | 919,000 | 1,380,000 | 1,862,000 |
| Net interest income | 638,000 | 1,305,000 | 2,045,000 | 2,736,000 |
| Noninterest income | 125,000 | 262,000 | 393,000 | 536,000 |
| Noninterest expense | 551,000 | 1,057,000 | 1,604,000 | 2,220,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 45,000 |
| Pretax income | 197,000 | 480,000 | 788,000 | 975,000 |
| Income tax | 91,000 | 182,000 | 273,000 | 286,000 |
| Net income | 106,000 | 298,000 | 515,000 | 689,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,137,000 | 8,329,000 | 8,545,000 | 8,298,000 |
| Total capital | 8,753,000 | 8,968,000 | 9,204,000 | 8,962,000 |
| Risk-weighted assets | 49,266,000 | 51,073,000 | 52,708,000 | 54,619,000 |
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