Call reports 2015
BANK OF WOLCOTT — 2015
What BANK OF WOLCOTT reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 153,186,000 | 154,123,000 | 153,929,000 | 153,427,000 |
| Total loans | 99,668,000 | 104,529,000 | 103,979,000 | 107,464,000 |
| Allowance for loan losses | 1,583,000 | 1,620,000 | 1,742,000 | 1,702,000 |
| Securities available for sale | 37,991,000 | 37,949,000 | 36,837,000 | 34,959,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,753,000 | 132,460,000 | 129,759,000 | 129,217,000 |
| Interest-bearing deposits | 93,567,000 | 95,302,000 | 94,684,000 | 87,851,000 |
| Noninterest-bearing deposits | 38,186,000 | 37,158,000 | 35,075,000 | 41,366,000 |
| Equity capital | 13,709,000 | 13,905,000 | 14,427,000 | 14,763,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,412,000 | 2,874,000 | 4,343,000 | 5,860,000 |
| Interest expense | 182,000 | 370,000 | 565,000 | 764,000 |
| Net interest income | 1,230,000 | 2,504,000 | 3,778,000 | 5,096,000 |
| Noninterest income | 144,000 | 297,000 | 446,000 | 589,000 |
| Noninterest expense | 872,000 | 1,664,000 | 2,522,000 | 3,287,000 |
| Provision for loan losses | 38,000 | 75,000 | 188,000 | 300,000 |
| Pretax income | 456,000 | 1,063,000 | 1,515,000 | 2,107,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 456,000 | 1,063,000 | 1,515,000 | 2,107,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,344,000 | 13,877,000 | 14,253,000 | 14,630,000 |
| Total capital | 14,627,000 | 15,243,000 | 15,621,000 | 16,008,000 |
| Risk-weighted assets | 102,361,000 | 109,048,000 | 109,095,000 | 109,926,000 |
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