Call reports 2010
BANK OF WOLCOTT — 2010
What BANK OF WOLCOTT reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 98,882,000 | 99,152,000 | 98,734,000 | 105,435,000 |
| Total loans | 71,208,000 | 73,820,000 | 74,883,000 | 75,717,000 |
| Allowance for loan losses | 840,000 | 841,000 | 887,000 | 946,000 |
| Securities available for sale | 19,437,000 | 19,804,000 | 18,536,000 | 18,736,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,093,000 | 82,166,000 | 79,387,000 | 88,430,000 |
| Interest-bearing deposits | 70,146,000 | 69,698,000 | 68,258,000 | 74,748,000 |
| Noninterest-bearing deposits | 12,947,000 | 12,468,000 | 11,129,000 | 13,682,000 |
| Equity capital | 9,144,000 | 9,557,000 | 9,890,000 | 9,954,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,286,000 | 2,634,000 | 4,008,000 | 5,351,000 |
| Interest expense | 320,000 | 633,000 | 939,000 | 1,229,000 |
| Net interest income | 966,000 | 2,001,000 | 3,069,000 | 4,122,000 |
| Noninterest income | 123,000 | 255,000 | 338,000 | 460,000 |
| Noninterest expense | 583,000 | 1,205,000 | 1,823,000 | 2,589,000 |
| Provision for loan losses | 161,000 | 281,000 | 396,000 | 456,000 |
| Pretax income | 344,000 | 769,000 | 1,215,000 | 1,564,000 |
| Income tax | 0 | 0 | 27,000 | 28,000 |
| Net income | 344,000 | 769,000 | 1,188,000 | 1,536,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,690,000 | 8,985,000 | 9,340,000 | 9,548,000 |
| Total capital | 9,530,000 | 9,826,000 | 10,221,000 | 10,460,000 |
| Risk-weighted assets | 67,436,000 | 69,319,000 | 69,960,000 | 72,927,000 |
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