Call reports 2018
BANK OF WOLCOTT — 2018
What BANK OF WOLCOTT reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 154,645,000 | 157,034,000 | 159,209,000 | 164,950,000 |
| Total loans | 104,272,000 | 108,742,000 | 110,339,000 | 114,602,000 |
| Allowance for loan losses | 2,022,000 | 2,029,000 | 2,001,000 | 2,092,000 |
| Securities available for sale | 37,268,000 | 34,382,000 | 32,839,000 | 34,656,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,957,000 | 128,724,000 | 130,429,000 | 135,843,000 |
| Interest-bearing deposits | 96,592,000 | 98,910,000 | 99,118,000 | 102,146,000 |
| Noninterest-bearing deposits | 33,365,000 | 29,814,000 | 31,311,000 | 33,697,000 |
| Equity capital | 16,493,000 | 17,021,000 | 17,338,000 | 17,996,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,592,000 | 3,281,000 | 5,054,000 | 6,856,000 |
| Interest expense | 210,000 | 434,000 | 711,000 | 1,021,000 |
| Net interest income | 1,382,000 | 2,847,000 | 4,343,000 | 5,835,000 |
| Noninterest income | 141,000 | 310,000 | 525,000 | 675,000 |
| Noninterest expense | 922,000 | 1,781,000 | 2,723,000 | 3,634,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 90,000 |
| Pretax income | 601,000 | 1,340,000 | 2,046,000 | 2,692,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 601,000 | 1,340,000 | 2,046,000 | 2,692,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,138,000 | 17,675,000 | 18,183,000 | 18,488,000 |
| Total capital | 18,539,000 | 19,128,000 | 19,665,000 | 20,032,000 |
| Risk-weighted assets | 111,520,000 | 115,737,000 | 118,047,000 | 123,008,000 |