Call reports 2009
WOLF RIVER COMMUNITY BANK — 2009
What WOLF RIVER COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 108,702,000 | 112,349,000 | 111,627,000 | 116,142,000 |
| Total loans | 83,825,000 | 82,561,000 | 85,543,000 | 86,777,000 |
| Allowance for loan losses | 1,221,000 | 1,292,000 | 1,392,000 | 1,393,000 |
| Securities available for sale | 17,863,000 | 17,996,000 | 18,721,000 | 18,764,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,533,000 | 82,724,000 | 80,822,000 | 85,938,000 |
| Interest-bearing deposits | 71,959,000 | 75,131,000 | 73,232,000 | 77,609,000 |
| Noninterest-bearing deposits | 6,574,000 | 7,593,000 | 7,591,000 | 8,329,000 |
| Equity capital | 11,039,000 | 11,242,000 | 11,930,000 | 12,068,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,486,000 | 2,947,000 | 4,409,000 | 5,862,000 |
| Interest expense | 589,000 | 1,163,000 | 1,694,000 | 2,188,000 |
| Net interest income | 897,000 | 1,784,000 | 2,715,000 | 3,674,000 |
| Noninterest income | 229,000 | 463,000 | 608,000 | 763,000 |
| Noninterest expense | 625,000 | 1,354,000 | 2,021,000 | 2,626,000 |
| Provision for loan losses | 70,000 | 130,000 | 230,000 | 452,000 |
| Pretax income | 431,000 | 763,000 | 1,072,000 | 1,359,000 |
| Income tax | 116,000 | 169,000 | 218,000 | 250,000 |
| Net income | 315,000 | 594,000 | 854,000 | 1,109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,788,000 | 11,066,000 | 11,327,000 | 11,581,000 |
| Total capital | 11,930,000 | 12,217,000 | 12,500,000 | 12,782,000 |
| Risk-weighted assets | 91,243,000 | 91,906,000 | 93,636,000 | 95,871,000 |