Call reports 2014
BANK OF WOLCOTT — 2014
What BANK OF WOLCOTT reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 143,015,000 | 139,605,000 | 139,984,000 | 145,328,000 |
| Total loans | 88,167,000 | 93,324,000 | 94,794,000 | 98,996,000 |
| Allowance for loan losses | 1,676,000 | 1,533,000 | 1,544,000 | 1,574,000 |
| Securities available for sale | 38,558,000 | 39,903,000 | 37,558,000 | 34,668,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,740,000 | 118,384,000 | 112,349,000 | 120,681,000 |
| Interest-bearing deposits | 80,492,000 | 78,874,000 | 81,120,000 | 85,835,000 |
| Noninterest-bearing deposits | 42,248,000 | 39,510,000 | 31,229,000 | 34,846,000 |
| Equity capital | 12,010,000 | 12,903,000 | 13,568,000 | 13,893,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,314,000 | 2,764,000 | 4,172,000 | 5,588,000 |
| Interest expense | 175,000 | 350,000 | 533,000 | 721,000 |
| Net interest income | 1,139,000 | 2,414,000 | 3,639,000 | 4,867,000 |
| Noninterest income | 130,000 | 280,000 | 449,000 | 588,000 |
| Noninterest expense | 748,000 | 1,535,000 | 2,245,000 | 3,201,000 |
| Provision for loan losses | 55,000 | 70,000 | 100,000 | 130,000 |
| Pretax income | 466,000 | 1,075,000 | 1,737,000 | 2,118,000 |
| Income tax | 0 | 0 | 2,000 | 2,000 |
| Net income | 466,000 | 1,075,000 | 1,735,000 | 2,116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,183,000 | 12,793,000 | 13,453,000 | 13,667,000 |
| Total capital | 13,360,000 | 14,013,000 | 14,697,000 | 14,962,000 |
| Risk-weighted assets | 93,676,000 | 97,266,000 | 99,177,000 | 103,993,000 |
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