Call reports 2012
WOLF RIVER COMMUNITY BANK — 2012
What WOLF RIVER COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 124,147,000 | 121,004,000 | 124,323,000 | 129,629,000 |
| Total loans | 87,898,000 | 87,318,000 | 96,236,000 | 98,598,000 |
| Allowance for loan losses | 1,738,000 | 1,788,000 | 1,783,000 | 1,838,000 |
| Securities available for sale | 20,494,000 | 20,836,000 | 20,804,000 | 21,030,000 |
| Securities held to maturity | 500,000 | 500,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,867,000 | 90,949,000 | 95,140,000 | 101,927,000 |
| Interest-bearing deposits | 84,500,000 | 82,006,000 | 84,305,000 | 91,079,000 |
| Noninterest-bearing deposits | 8,367,000 | 8,943,000 | 10,835,000 | 10,849,000 |
| Equity capital | 15,268,000 | 15,630,000 | 15,207,000 | 15,552,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,406,000 | 2,795,000 | 4,202,000 | 5,655,000 |
| Interest expense | 286,000 | 554,000 | 803,000 | 1,049,000 |
| Net interest income | 1,120,000 | 2,241,000 | 3,399,000 | 4,606,000 |
| Noninterest income | 205,000 | 438,000 | 697,000 | 991,000 |
| Noninterest expense | 787,000 | 1,620,000 | 2,415,000 | 3,293,000 |
| Provision for loan losses | 45,000 | 95,000 | 165,000 | 230,000 |
| Pretax income | 493,000 | 964,000 | 1,516,000 | 2,074,000 |
| Income tax | 134,000 | 261,000 | 419,000 | 581,000 |
| Net income | 359,000 | 703,000 | 1,097,000 | 1,493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,491,000 | 14,765,000 | 14,353,000 | 14,750,000 |
| Total capital | 15,687,000 | 15,947,000 | 15,627,000 | 16,049,000 |
| Risk-weighted assets | 95,100,000 | 93,921,000 | 101,438,000 | 103,414,000 |