Call reports 2003
WOLF RIVER COMMUNITY BANK — 2003
What WOLF RIVER COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 56,419,000 | 59,858,000 | 62,218,000 | 66,987,000 |
| Total loans | 45,640,000 | 45,546,000 | 47,963,000 | 53,629,000 |
| Allowance for loan losses | 486,000 | 504,000 | 520,000 | 597,000 |
| Securities available for sale | 7,764,000 | 7,947,000 | 9,362,000 | 9,465,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,635,000 | 50,364,000 | 52,058,000 | 54,066,000 |
| Interest-bearing deposits | 43,322,000 | 46,689,000 | 47,980,000 | 49,498,000 |
| Noninterest-bearing deposits | 3,313,000 | 3,674,000 | 4,078,000 | 4,568,000 |
| Equity capital | 5,715,000 | 5,970,000 | 6,074,000 | 6,252,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 845,000 | 1,698,000 | 2,513,000 | 3,375,000 |
| Interest expense | 289,000 | 586,000 | 886,000 | 1,171,000 |
| Net interest income | 556,000 | 1,112,000 | 1,627,000 | 2,204,000 |
| Noninterest income | 60,000 | 120,000 | 208,000 | 248,000 |
| Noninterest expense | 321,000 | 643,000 | 975,000 | 1,281,000 |
| Provision for loan losses | 18,000 | 37,000 | 54,000 | 130,000 |
| Pretax income | 277,000 | 552,000 | 806,000 | 1,041,000 |
| Income tax | 77,000 | 155,000 | 216,000 | 281,000 |
| Net income | 200,000 | 397,000 | 590,000 | 760,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,464,000 | 5,661,000 | 5,853,000 | 6,023,000 |
| Total capital | 5,950,000 | 6,155,000 | 6,373,000 | 6,606,000 |
| Risk-weighted assets | 39,151,000 | 39,517,000 | 42,342,000 | 46,657,000 |