Call reports 2010
WOLF RIVER COMMUNITY BANK — 2010
What WOLF RIVER COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 114,550,000 | 117,309,000 | 118,782,000 | 118,786,000 |
| Total loans | 87,486,000 | 90,982,000 | 89,879,000 | 89,616,000 |
| Allowance for loan losses | 1,467,000 | 1,587,000 | 1,753,000 | 1,637,000 |
| Securities available for sale | 18,943,000 | 19,024,000 | 19,440,000 | 19,211,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,987,000 | 86,519,000 | 87,298,000 | 87,130,000 |
| Interest-bearing deposits | 77,233,000 | 78,066,000 | 77,108,000 | 78,799,000 |
| Noninterest-bearing deposits | 7,754,000 | 8,453,000 | 10,190,000 | 8,331,000 |
| Equity capital | 12,424,000 | 12,636,000 | 13,217,000 | 13,218,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,428,000 | 2,918,000 | 4,398,000 | 5,866,000 |
| Interest expense | 431,000 | 837,000 | 1,228,000 | 1,589,000 |
| Net interest income | 997,000 | 2,081,000 | 3,170,000 | 4,277,000 |
| Noninterest income | 140,000 | 327,000 | 620,000 | 994,000 |
| Noninterest expense | 693,000 | 1,465,000 | 2,188,000 | 2,996,000 |
| Provision for loan losses | 95,000 | 215,000 | 390,000 | 684,000 |
| Pretax income | 349,000 | 731,000 | 1,215,000 | 1,594,000 |
| Income tax | 56,000 | 127,000 | 253,000 | 340,000 |
| Net income | 293,000 | 604,000 | 962,000 | 1,254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,874,000 | 12,185,000 | 12,543,000 | 12,835,000 |
| Total capital | 13,086,000 | 13,427,000 | 13,785,000 | 14,067,000 |
| Risk-weighted assets | 96,706,000 | 99,000,000 | 98,883,000 | 98,135,000 |