Call reports 2013
BANK OF WOLCOTT — 2013
What BANK OF WOLCOTT reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 129,414,000 | 130,289,000 | 132,244,000 | 135,490,000 |
| Total loans | 81,581,000 | 88,160,000 | 91,630,000 | 94,000,000 |
| Allowance for loan losses | 1,592,000 | 1,624,000 | 1,693,000 | 1,681,000 |
| Securities available for sale | 35,183,000 | 32,854,000 | 30,979,000 | 30,229,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,796,000 | 108,895,000 | 111,795,000 | 114,918,000 |
| Interest-bearing deposits | 85,313,000 | 88,537,000 | 78,412,000 | 77,456,000 |
| Noninterest-bearing deposits | 25,482,000 | 20,358,000 | 33,382,000 | 37,462,000 |
| Equity capital | 11,797,000 | 11,482,000 | 11,420,000 | 11,844,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,333,000 | 2,676,000 | 4,024,000 | 5,383,000 |
| Interest expense | 167,000 | 334,000 | 512,000 | 695,000 |
| Net interest income | 1,166,000 | 2,342,000 | 3,512,000 | 4,688,000 |
| Noninterest income | 137,000 | 300,000 | 492,000 | 627,000 |
| Noninterest expense | 737,000 | 1,527,000 | 2,698,000 | 3,432,000 |
| Provision for loan losses | 110,000 | 210,000 | 270,000 | 270,000 |
| Pretax income | 456,000 | 947,000 | 1,078,000 | 1,655,000 |
| Income tax | 0 | 0 | 0 | 2,000 |
| Net income | 456,000 | 947,000 | 1,078,000 | 1,653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,262,000 | 11,752,000 | 11,883,000 | 12,291,000 |
| Total capital | 12,271,000 | 12,899,000 | 13,076,000 | 13,513,000 |
| Risk-weighted assets | 80,000,000 | 90,702,000 | 94,482,000 | 97,229,000 |
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