Call reports 2013
WOLF RIVER COMMUNITY BANK — 2013
What WOLF RIVER COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 129,873,000 | 136,601,000 | 136,609,000 | 138,243,000 |
| Total loans | 99,575,000 | 103,430,000 | 104,227,000 | 107,433,000 |
| Allowance for loan losses | 1,902,000 | 1,863,000 | 1,704,000 | 1,707,000 |
| Securities available for sale | 20,633,000 | 20,923,000 | 20,626,000 | 20,809,000 |
| Securities held to maturity | 0 | 455,000 | 455,000 | 455,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,828,000 | 103,466,000 | 106,797,000 | 108,989,000 |
| Interest-bearing deposits | 93,357,000 | 93,038,000 | 95,044,000 | 97,141,000 |
| Noninterest-bearing deposits | 9,471,000 | 10,428,000 | 11,753,000 | 11,848,000 |
| Equity capital | 15,884,000 | 15,939,000 | 15,966,000 | 16,342,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,391,000 | 2,816,000 | 4,286,000 | 5,729,000 |
| Interest expense | 229,000 | 451,000 | 675,000 | 892,000 |
| Net interest income | 1,162,000 | 2,365,000 | 3,611,000 | 4,837,000 |
| Noninterest income | 268,000 | 508,000 | 723,000 | 1,062,000 |
| Noninterest expense | 849,000 | 1,704,000 | 2,587,000 | 3,556,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 200,000 |
| Pretax income | 521,000 | 1,049,000 | 1,567,000 | 2,143,000 |
| Income tax | 148,000 | 299,000 | 446,000 | 634,000 |
| Net income | 373,000 | 750,000 | 1,121,000 | 1,509,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,124,000 | 15,394,000 | 15,615,000 | 16,003,000 |
| Total capital | 16,359,000 | 16,703,000 | 16,940,000 | 17,428,000 |
| Risk-weighted assets | 98,102,000 | 107,699,000 | 109,171,000 | 110,432,000 |