Call reports 2021
BANK OF WOLCOTT — 2021
What BANK OF WOLCOTT reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 201,375,000 | 204,140,000 | 208,696,000 | 215,508,000 |
| Total loans | 106,411,000 | 114,322,000 | 112,151,000 | 113,553,000 |
| Allowance for loan losses | 2,231,000 | 2,257,000 | 2,353,000 | 2,353,000 |
| Securities available for sale | 70,346,000 | 75,163,000 | 78,722,000 | 83,045,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,804,000 | 174,286,000 | 178,209,000 | 185,742,000 |
| Interest-bearing deposits | 123,074,000 | 128,129,000 | 130,163,000 | 135,247,000 |
| Noninterest-bearing deposits | 49,730,000 | 46,157,000 | 48,046,000 | 50,495,000 |
| Equity capital | 22,890,000 | 24,095,000 | 24,272,000 | 23,934,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,903,000 | 3,880,000 | 5,574,000 | 7,262,000 |
| Interest expense | 138,000 | 265,000 | 384,000 | 492,000 |
| Net interest income | 1,765,000 | 3,615,000 | 5,190,000 | 6,770,000 |
| Noninterest income | 150,000 | 327,000 | 590,000 | 808,000 |
| Noninterest expense | 917,000 | 1,901,000 | 2,935,000 | 4,079,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,032,000 | 2,073,000 | 2,877,000 | 3,540,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,032,000 | 2,073,000 | 2,877,000 | 3,540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,021,000 | 22,821,000 | 22,884,000 | 23,307,000 |
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