Call reports 2008
BANK OF WOLCOTT — 2008
What BANK OF WOLCOTT reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 76,313,000 | 72,824,000 | 78,176,000 | 80,853,000 |
| Total loans | 52,448,000 | 54,662,000 | 58,641,000 | 60,135,000 |
| Allowance for loan losses | 679,000 | 654,000 | 713,000 | 721,000 |
| Securities available for sale | 13,351,000 | 12,752,000 | 12,614,000 | 13,188,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,339,000 | 61,251,000 | 62,195,000 | 69,741,000 |
| Interest-bearing deposits | 52,715,000 | 49,576,000 | 51,061,000 | 57,810,000 |
| Noninterest-bearing deposits | 11,624,000 | 11,675,000 | 11,134,000 | 11,931,000 |
| Equity capital | 8,477,000 | 8,535,000 | 8,816,000 | 8,497,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,158,000 | 2,318,000 | 3,479,000 | 4,668,000 |
| Interest expense | 455,000 | 833,000 | 1,204,000 | 1,613,000 |
| Net interest income | 703,000 | 1,485,000 | 2,275,000 | 3,055,000 |
| Noninterest income | 138,000 | 278,000 | 439,000 | 572,000 |
| Noninterest expense | 584,000 | 1,124,000 | 1,736,000 | 2,366,000 |
| Provision for loan losses | 15,000 | 30,000 | 125,000 | 125,000 |
| Pretax income | 243,000 | 612,000 | 865,000 | 1,163,000 |
| Income tax | 81,000 | 159,000 | 237,000 | 374,000 |
| Net income | 162,000 | 453,000 | 628,000 | 789,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,352,000 | 8,622,000 | 8,798,000 | 8,428,000 |
| Total capital | 9,021,000 | 9,276,000 | 9,511,000 | 9,149,000 |
| Risk-weighted assets | 53,524,000 | 54,820,000 | 58,097,000 | 59,082,000 |
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