Call reports 2011
WOLF RIVER COMMUNITY BANK — 2011
What WOLF RIVER COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 116,194,000 | 121,185,000 | 122,132,000 | 126,610,000 |
| Total loans | 88,133,000 | 89,886,000 | 89,947,000 | 90,274,000 |
| Allowance for loan losses | 1,524,000 | 1,584,000 | 1,626,000 | 1,720,000 |
| Securities available for sale | 19,480,000 | 19,939,000 | 20,286,000 | 20,592,000 |
| Securities held to maturity | 0 | 0 | 0 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,437,000 | 88,846,000 | 89,177,000 | 94,333,000 |
| Interest-bearing deposits | 76,458,000 | 79,945,000 | 81,157,000 | 85,008,000 |
| Noninterest-bearing deposits | 7,979,000 | 8,901,000 | 8,020,000 | 9,325,000 |
| Equity capital | 13,646,000 | 14,077,000 | 14,623,000 | 15,036,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,416,000 | 2,831,000 | 4,286,000 | 5,745,000 |
| Interest expense | 341,000 | 677,000 | 995,000 | 1,310,000 |
| Net interest income | 1,075,000 | 2,154,000 | 3,291,000 | 4,435,000 |
| Noninterest income | 161,000 | 279,000 | 508,000 | 744,000 |
| Noninterest expense | 780,000 | 1,565,000 | 2,324,000 | 3,084,000 |
| Provision for loan losses | 60,000 | 120,000 | 224,000 | 374,000 |
| Pretax income | 396,000 | 748,000 | 1,251,000 | 1,721,000 |
| Income tax | 93,000 | 168,000 | 302,000 | 424,000 |
| Net income | 303,000 | 580,000 | 949,000 | 1,297,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,138,000 | 13,415,000 | 13,784,000 | 14,132,000 |
| Total capital | 14,360,000 | 14,623,000 | 14,985,000 | 15,341,000 |
| Risk-weighted assets | 97,447,000 | 96,239,000 | 95,688,000 | 96,221,000 |