Call reports 2015
BANK OF WIGGINS — 2015
What BANK OF WIGGINS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 191,844,000 | 186,647,000 | 185,573,000 | 186,374,000 |
| Total loans | 111,620,000 | 110,392,000 | 108,803,000 | 107,598,000 |
| Allowance for loan losses | 1,555,000 | 1,555,000 | 1,555,000 | 1,555,000 |
| Securities available for sale | 55,474,000 | 55,258,000 | 53,906,000 | 55,086,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,188,000 | 158,262,000 | 156,180,000 | 158,016,000 |
| Interest-bearing deposits | 129,949,000 | 125,587,000 | 121,891,000 | 122,721,000 |
| Noninterest-bearing deposits | 33,239,000 | 32,675,000 | 34,289,000 | 35,295,000 |
| Equity capital | 27,594,000 | 27,359,000 | 28,220,000 | 27,690,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,946,000 | 3,882,000 | 5,820,000 | 7,707,000 |
| Interest expense | 278,000 | 538,000 | 783,000 | 1,017,000 |
| Net interest income | 1,668,000 | 3,344,000 | 5,037,000 | 6,690,000 |
| Noninterest income | 325,000 | 612,000 | 980,000 | 1,326,000 |
| Noninterest expense | 1,345,000 | 2,692,000 | 4,007,000 | 5,416,000 |
| Provision for loan losses | 46,000 | 108,000 | 158,000 | 274,000 |
| Pretax income | 610,000 | 1,169,000 | 1,868,000 | 2,342,000 |
| Income tax | 179,000 | 361,000 | 540,000 | 718,000 |
| Net income | 431,000 | 808,000 | 1,328,000 | 1,624,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,386,000 | 27,539,000 | 28,059,000 | 27,568,000 |
| Total capital | 28,754,000 | 28,828,000 | 29,333,000 | 28,837,000 |
| Risk-weighted assets | 109,234,000 | 102,856,000 | 101,662,000 | 101,242,000 |