Call reports 2017
BANK OF WOLCOTT — 2017
What BANK OF WOLCOTT reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 148,439,000 | 149,717,000 | 147,675,000 | 157,042,000 |
| Total loans | 100,025,000 | 97,404,000 | 100,365,000 | 102,050,000 |
| Allowance for loan losses | 1,814,000 | 1,802,000 | 1,870,000 | 1,847,000 |
| Securities available for sale | 33,881,000 | 37,773,000 | 37,381,000 | 37,173,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,493,000 | 124,882,000 | 122,329,000 | 131,990,000 |
| Interest-bearing deposits | 94,693,000 | 95,852,000 | 93,073,000 | 98,761,000 |
| Noninterest-bearing deposits | 29,800,000 | 29,030,000 | 29,256,000 | 33,229,000 |
| Equity capital | 15,708,000 | 16,518,000 | 16,902,000 | 16,912,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,448,000 | 2,944,000 | 4,473,000 | 6,004,000 |
| Interest expense | 173,000 | 349,000 | 531,000 | 724,000 |
| Net interest income | 1,275,000 | 2,595,000 | 3,942,000 | 5,280,000 |
| Noninterest income | 141,000 | 299,000 | 492,000 | 637,000 |
| Noninterest expense | 884,000 | 1,735,000 | 2,668,000 | 3,526,000 |
| Provision for loan losses | 13,000 | 13,000 | 13,000 | 13,000 |
| Pretax income | 519,000 | 1,146,000 | 1,747,000 | 2,372,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 519,000 | 1,146,000 | 1,747,000 | 2,372,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,773,000 | 16,250,000 | 16,702,000 | 17,036,000 |
| Total capital | 17,113,000 | 17,571,000 | 18,037,000 | 18,415,000 |
| Risk-weighted assets | 106,797,000 | 104,684,000 | 106,280,000 | 109,852,000 |