Call reports 2007
WOLF RIVER COMMUNITY BANK — 2007
What WOLF RIVER COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 96,134,000 | 98,056,000 | 105,293,000 | 108,749,000 |
| Total loans | 78,810,000 | 79,197,000 | 85,425,000 | 87,408,000 |
| Allowance for loan losses | 954,000 | 973,000 | 1,023,000 | 1,041,000 |
| Securities available for sale | 12,824,000 | 13,324,000 | 14,050,000 | 15,114,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,944,000 | 78,852,000 | 80,123,000 | 81,983,000 |
| Interest-bearing deposits | 70,998,000 | 72,390,000 | 72,718,000 | 75,908,000 |
| Noninterest-bearing deposits | 5,946,000 | 6,462,000 | 7,405,000 | 6,075,000 |
| Equity capital | 8,822,000 | 8,859,000 | 9,229,000 | 9,497,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,426,000 | 2,904,000 | 4,493,000 | 6,151,000 |
| Interest expense | 792,000 | 1,626,000 | 2,526,000 | 3,471,000 |
| Net interest income | 634,000 | 1,278,000 | 1,967,000 | 2,680,000 |
| Noninterest income | 66,000 | 163,000 | 266,000 | 368,000 |
| Noninterest expense | 425,000 | 892,000 | 1,372,000 | 1,829,000 |
| Provision for loan losses | 5,000 | 24,000 | 74,000 | 93,000 |
| Pretax income | 270,000 | 525,000 | 787,000 | 1,126,000 |
| Income tax | 59,000 | 111,000 | 167,000 | 260,000 |
| Net income | 211,000 | 414,000 | 620,000 | 866,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,835,000 | 9,038,000 | 9,244,000 | 9,440,000 |
| Total capital | 9,789,000 | 10,011,000 | 10,267,000 | 10,481,000 |
| Risk-weighted assets | 76,892,000 | 78,947,000 | 84,628,000 | 88,431,000 |