Call reports 2023
BANK OF WOLCOTT — 2023
What BANK OF WOLCOTT reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 230,947,000 | 233,873,000 | 225,759,000 | 231,633,000 |
| Total loans | 123,559,000 | 127,635,000 | 127,475,000 | 128,674,000 |
| Allowance for loan losses | 2,334,000 | 2,365,000 | 2,379,000 | 2,366,000 |
| Securities available for sale | 88,443,000 | 88,210,000 | 84,040,000 | 90,171,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,407,000 | 213,439,000 | 206,752,000 | 203,317,000 |
| Interest-bearing deposits | 150,808,000 | 161,278,000 | 159,616,000 | 153,528,000 |
| Noninterest-bearing deposits | 56,599,000 | 52,161,000 | 47,136,000 | 49,789,000 |
| Equity capital | 17,384,000 | 17,183,000 | 15,724,000 | 20,186,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,373,000 | 4,922,000 | 7,467,000 | 10,140,000 |
| Interest expense | 605,000 | 1,357,000 | 2,192,000 | 3,085,000 |
| Net interest income | 1,768,000 | 3,565,000 | 5,275,000 | 7,055,000 |
| Noninterest income | 191,000 | 388,000 | 584,000 | 827,000 |
| Noninterest expense | 966,000 | 2,030,000 | 3,012,000 | 4,150,000 |
| Provision for loan losses | -268,000 | -236,000 | -226,000 | -234,000 |
| Pretax income | 1,267,000 | 2,175,000 | 2,900,000 | 3,727,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,267,000 | 2,175,000 | 2,900,000 | 3,727,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,631,000 | 27,188,000 | 27,563,000 | 28,045,000 |