Call reports 2009
BANK OF WOLCOTT — 2009
What BANK OF WOLCOTT reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 83,604,000 | 86,668,000 | 90,480,000 | 95,380,000 |
| Total loans | 56,690,000 | 60,150,000 | 64,651,000 | 69,009,000 |
| Allowance for loan losses | 668,000 | 661,000 | 667,000 | 747,000 |
| Securities available for sale | 16,410,000 | 19,960,000 | 19,453,000 | 18,742,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,298,000 | 75,249,000 | 76,624,000 | 79,642,000 |
| Interest-bearing deposits | 60,940,000 | 63,251,000 | 64,416,000 | 66,256,000 |
| Noninterest-bearing deposits | 11,358,000 | 11,998,000 | 12,208,000 | 13,386,000 |
| Equity capital | 8,919,000 | 8,996,000 | 9,498,000 | 9,024,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,118,000 | 2,275,000 | 3,502,000 | 4,781,000 |
| Interest expense | 358,000 | 677,000 | 997,000 | 1,328,000 |
| Net interest income | 760,000 | 1,598,000 | 2,505,000 | 3,453,000 |
| Noninterest income | 125,000 | 259,000 | 404,000 | 540,000 |
| Noninterest expense | 581,000 | 1,208,000 | 1,801,000 | 2,379,000 |
| Provision for loan losses | 23,000 | 45,000 | 175,000 | 504,000 |
| Pretax income | 286,000 | 609,000 | 948,000 | 1,139,000 |
| Income tax | 0 | 107,000 | 213,000 | 280,000 |
| Net income | 286,000 | 502,000 | 735,000 | 859,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,714,000 | 8,930,000 | 9,111,000 | 8,608,000 |
| Total capital | 9,382,000 | 9,591,000 | 9,778,000 | 9,355,000 |
| Risk-weighted assets | 56,836,000 | 59,501,000 | 63,224,000 | 67,004,000 |
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