Call reports 2008
WOLF RIVER COMMUNITY BANK — 2008
What WOLF RIVER COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 110,097,000 | 108,839,000 | 109,037,000 | 109,647,000 |
| Total loans | 87,954,000 | 85,339,000 | 85,433,000 | 85,706,000 |
| Allowance for loan losses | 1,061,000 | 1,100,000 | 1,128,000 | 1,260,000 |
| Securities available for sale | 16,057,000 | 16,442,000 | 17,176,000 | 17,582,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,142,000 | 80,302,000 | 75,925,000 | 80,568,000 |
| Interest-bearing deposits | 73,371,000 | 72,814,000 | 69,550,000 | 74,053,000 |
| Noninterest-bearing deposits | 6,771,000 | 7,488,000 | 6,375,000 | 6,515,000 |
| Equity capital | 9,893,000 | 9,910,000 | 10,236,000 | 10,598,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,651,000 | 3,243,000 | 4,813,000 | 6,368,000 |
| Interest expense | 889,000 | 1,644,000 | 2,349,000 | 3,022,000 |
| Net interest income | 762,000 | 1,599,000 | 2,464,000 | 3,346,000 |
| Noninterest income | 119,000 | 265,000 | 399,000 | 527,000 |
| Noninterest expense | 553,000 | 1,106,000 | 1,694,000 | 2,295,000 |
| Provision for loan losses | 30,000 | 65,000 | 100,000 | 235,000 |
| Pretax income | 298,000 | 693,000 | 1,069,000 | 1,343,000 |
| Income tax | 67,000 | 170,000 | 262,000 | 311,000 |
| Net income | 231,000 | 523,000 | 807,000 | 1,032,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,671,000 | 9,963,000 | 10,247,000 | 10,472,000 |
| Total capital | 10,732,000 | 11,063,000 | 11,375,000 | 11,622,000 |
| Risk-weighted assets | 90,533,000 | 89,964,000 | 90,699,000 | 91,895,000 |