Call reports 2002
WOLF RIVER COMMUNITY BANK — 2002
What WOLF RIVER COMMUNITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 51,406,000 | 53,469,000 | 55,412,000 | 56,048,000 |
| Total loans | 40,491,000 | 43,728,000 | 44,990,000 | 44,945,000 |
| Allowance for loan losses | 350,000 | 393,000 | 443,000 | 452,000 |
| Securities available for sale | 6,704,000 | 7,083,000 | 7,566,000 | 7,630,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,360,000 | 46,046,000 | 46,771,000 | 46,150,000 |
| Interest-bearing deposits | 41,077,000 | 42,596,000 | 43,567,000 | 42,157,000 |
| Noninterest-bearing deposits | 3,283,000 | 3,450,000 | 3,204,000 | 3,993,000 |
| Equity capital | 4,739,000 | 5,005,000 | 5,296,000 | 5,461,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 850,000 | 1,739,000 | 2,662,000 | 3,458,000 |
| Interest expense | 370,000 | 718,000 | 1,061,000 | 1,373,000 |
| Net interest income | 480,000 | 1,021,000 | 1,601,000 | 2,085,000 |
| Noninterest income | 22,000 | 67,000 | 91,000 | 242,000 |
| Noninterest expense | 285,000 | 573,000 | 855,000 | 1,182,000 |
| Provision for loan losses | 21,000 | 58,000 | 109,000 | 133,000 |
| Pretax income | 196,000 | 457,000 | 728,000 | 1,012,000 |
| Income tax | 57,000 | 135,000 | 213,000 | 307,000 |
| Net income | 139,000 | 322,000 | 515,000 | 705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,698,000 | 4,880,000 | 5,073,000 | 5,264,000 |
| Total capital | 5,048,000 | 5,273,000 | 5,516,000 | 5,716,000 |
| Risk-weighted assets | 33,133,000 | 35,294,000 | 38,138,000 | 38,328,000 |