Call reports 2025
BANK OF WOLCOTT — 2025
What BANK OF WOLCOTT reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 243,916,000 | 264,324,000 | 268,124,000 | 274,561,000 |
| Total loans | 135,389,000 | 138,468,000 | 139,937,000 | 146,841,000 |
| Allowance for loan losses | 2,301,000 | 2,313,000 | 2,318,000 | 2,312,000 |
| Securities available for sale | 97,958,000 | 103,572,000 | 118,412,000 | 118,054,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 215,108,000 | 225,364,000 | 222,095,000 | 228,375,000 |
| Interest-bearing deposits | 165,256,000 | 178,077,000 | 173,994,000 | 181,257,000 |
| Noninterest-bearing deposits | 49,852,000 | 47,287,000 | 48,101,000 | 47,118,000 |
| Equity capital | 22,736,000 | 22,684,000 | 26,580,000 | 28,212,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,903,000 | 6,031,000 | 9,292,000 | 12,659,000 |
| Interest expense | 954,000 | 1,975,000 | 3,124,000 | 4,304,000 |
| Net interest income | 1,949,000 | 4,056,000 | 6,168,000 | 8,355,000 |
| Noninterest income | 180,000 | 377,000 | 580,000 | 808,000 |
| Noninterest expense | 1,166,000 | 2,425,000 | 3,529,000 | 4,774,000 |
| Provision for loan losses | 7,000 | 20,000 | 13,000 | 26,000 |
| Pretax income | 954,000 | 1,985,000 | 3,203,000 | 4,277,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 954,000 | 1,985,000 | 3,203,000 | 4,277,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,944,000 | 31,609,000 | 32,467,000 | 33,178,000 |