Call reports 2022
BANK OF WOLCOTT — 2022
What BANK OF WOLCOTT reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 224,547,000 | 224,007,000 | 224,447,000 | 229,631,000 |
| Total loans | 121,054,000 | 125,669,000 | 130,692,000 | 133,724,000 |
| Allowance for loan losses | 2,358,000 | 2,412,000 | 2,412,000 | 2,573,000 |
| Securities available for sale | 83,453,000 | 81,794,000 | 83,683,000 | 85,652,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,041,000 | 202,801,000 | 202,832,000 | 196,644,000 |
| Interest-bearing deposits | 145,016,000 | 152,606,000 | 150,157,000 | 140,752,000 |
| Noninterest-bearing deposits | 54,025,000 | 50,195,000 | 52,675,000 | 55,892,000 |
| Equity capital | 19,627,000 | 15,255,000 | 14,269,000 | 16,083,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,728,000 | 3,696,000 | 5,776,000 | 8,098,000 |
| Interest expense | 104,000 | 225,000 | 425,000 | 841,000 |
| Net interest income | 1,624,000 | 3,471,000 | 5,351,000 | 7,257,000 |
| Noninterest income | 165,000 | 338,000 | 1,356,000 | 1,565,000 |
| Noninterest expense | 1,005,000 | 2,061,000 | 3,084,000 | 4,225,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 787,000 | 1,737,000 | 3,618,000 | 4,506,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 787,000 | 1,737,000 | 3,618,000 | 4,506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,743,000 | 24,344,000 | 25,075,000 | 25,578,000 |
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