Call reports 2004
WOLF RIVER COMMUNITY BANK — 2004
What WOLF RIVER COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 69,795,000 | 73,592,000 | 75,616,000 | 78,740,000 |
| Total loans | 56,807,000 | 56,872,000 | 61,123,000 | 63,975,000 |
| Allowance for loan losses | 630,000 | 634,000 | 677,000 | 738,000 |
| Securities available for sale | 9,630,000 | 9,380,000 | 9,625,000 | 9,667,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,845,000 | 60,971,000 | 60,434,000 | 62,727,000 |
| Interest-bearing deposits | 49,904,000 | 56,678,000 | 55,444,000 | 56,235,000 |
| Noninterest-bearing deposits | 3,941,000 | 4,293,000 | 4,990,000 | 6,492,000 |
| Equity capital | 6,513,000 | 6,466,000 | 6,774,000 | 6,967,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 924,000 | 1,876,000 | 2,838,000 | 3,862,000 |
| Interest expense | 292,000 | 596,000 | 911,000 | 1,243,000 |
| Net interest income | 632,000 | 1,280,000 | 1,927,000 | 2,619,000 |
| Noninterest income | 39,000 | 80,000 | 127,000 | 191,000 |
| Noninterest expense | 380,000 | 796,000 | 1,203,000 | 1,576,000 |
| Provision for loan losses | 34,000 | 41,000 | 84,000 | 148,000 |
| Pretax income | 257,000 | 523,000 | 767,000 | 1,086,000 |
| Income tax | 64,000 | 136,000 | 190,000 | 275,000 |
| Net income | 193,000 | 387,000 | 577,000 | 811,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,216,000 | 6,410,000 | 6,600,000 | 6,834,000 |
| Total capital | 6,836,000 | 7,043,000 | 7,277,000 | 7,568,000 |
| Risk-weighted assets | 49,619,000 | 51,556,000 | 55,263,000 | 58,703,000 |