Call reports 2015
BANK OF WEDOWEE — 2015
What BANK OF WEDOWEE 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 | 119,994,000 | 120,812,000 | 119,792,000 | 125,825,000 |
| Total loans | 46,998,000 | 50,724,000 | 55,404,000 | 57,239,000 |
| Allowance for loan losses | 357,000 | 444,000 | 509,000 | 538,000 |
| Securities available for sale | 56,561,000 | 53,906,000 | 49,185,000 | 50,120,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,386,000 | 104,526,000 | 102,662,000 | 107,331,000 |
| Interest-bearing deposits | 81,500,000 | 81,819,000 | 79,582,000 | 83,365,000 |
| Noninterest-bearing deposits | 21,886,000 | 22,707,000 | 23,080,000 | 23,966,000 |
| Equity capital | 14,039,000 | 13,617,000 | 14,159,000 | 13,889,000 |
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 | 980,000 | 2,065,000 | 3,197,000 | 4,361,000 |
| Interest expense | 152,000 | 300,000 | 444,000 | 592,000 |
| Net interest income | 828,000 | 1,765,000 | 2,753,000 | 3,769,000 |
| Noninterest income | 179,000 | 345,000 | 513,000 | 679,000 |
| Noninterest expense | 787,000 | 1,603,000 | 2,467,000 | 3,230,000 |
| Provision for loan losses | 35,000 | 125,000 | 210,000 | 285,000 |
| Pretax income | 185,000 | 409,000 | 646,000 | 986,000 |
| Income tax | 68,000 | 119,000 | 163,000 | 285,000 |
| Net income | 117,000 | 290,000 | 483,000 | 701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,366,000 | 12,538,000 | 12,647,000 | 12,755,000 |
| Total capital | 12,723,000 | 12,982,000 | 13,156,000 | 13,293,000 |
| Risk-weighted assets | 59,126,000 | 62,554,000 | 65,490,000 | 67,824,000 |