Call reports 2005
WOLF RIVER COMMUNITY BANK — 2005
What WOLF RIVER COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 79,645,000 | 81,538,000 | 83,720,000 | 85,899,000 |
| Total loans | 65,634,000 | 67,440,000 | 69,568,000 | 69,496,000 |
| Allowance for loan losses | 777,000 | 815,000 | 854,000 | 911,000 |
| Securities available for sale | 9,611,000 | 9,735,000 | 9,770,000 | 9,757,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,149,000 | 63,787,000 | 64,010,000 | 69,541,000 |
| Interest-bearing deposits | 56,314,000 | 57,598,000 | 57,928,000 | 62,842,000 |
| Noninterest-bearing deposits | 4,836,000 | 6,189,000 | 6,082,000 | 6,699,000 |
| Equity capital | 7,129,000 | 7,346,000 | 7,547,000 | 7,700,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,052,000 | 2,151,000 | 3,291,000 | 4,462,000 |
| Interest expense | 363,000 | 779,000 | 1,255,000 | 1,792,000 |
| Net interest income | 689,000 | 1,372,000 | 2,036,000 | 2,670,000 |
| Noninterest income | 85,000 | 149,000 | 214,000 | 292,000 |
| Noninterest expense | 406,000 | 844,000 | 1,236,000 | 1,589,000 |
| Provision for loan losses | 39,000 | 77,000 | 121,000 | 184,000 |
| Pretax income | 329,000 | 600,000 | 893,000 | 1,189,000 |
| Income tax | 94,000 | 162,000 | 232,000 | 300,000 |
| Net income | 235,000 | 438,000 | 661,000 | 889,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,069,000 | 7,273,000 | 7,514,000 | 7,723,000 |
| Total capital | 7,813,000 | 8,039,000 | 8,288,000 | 8,530,000 |
| Risk-weighted assets | 59,489,000 | 61,212,000 | 63,750,000 | 64,432,000 |