Call reports 2014
WOLF RIVER COMMUNITY BANK — 2014
What WOLF RIVER COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 139,345,000 | 137,823,000 | 135,541,000 | 137,413,000 |
| Total loans | 106,518,000 | 105,538,000 | 105,498,000 | 104,484,000 |
| Allowance for loan losses | 1,733,000 | 1,763,000 | 1,824,000 | 1,828,000 |
| Securities available for sale | 20,881,000 | 21,257,000 | 21,371,000 | 21,572,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,521,000 | 112,640,000 | 109,990,000 | 108,590,000 |
| Interest-bearing deposits | 103,643,000 | 100,383,000 | 97,056,000 | 95,281,000 |
| Noninterest-bearing deposits | 10,879,000 | 12,256,000 | 12,934,000 | 13,309,000 |
| Equity capital | 16,740,000 | 17,139,000 | 17,568,000 | 17,887,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,435,000 | 2,846,000 | 4,279,000 | 5,684,000 |
| Interest expense | 181,000 | 333,000 | 484,000 | 634,000 |
| Net interest income | 1,254,000 | 2,513,000 | 3,795,000 | 5,050,000 |
| Noninterest income | 171,000 | 380,000 | 553,000 | 690,000 |
| Noninterest expense | 848,000 | 1,768,000 | 2,618,000 | 3,495,000 |
| Provision for loan losses | 26,000 | 56,000 | 81,000 | 107,000 |
| Pretax income | 551,000 | 1,069,000 | 1,649,000 | 2,138,000 |
| Income tax | 158,000 | 303,000 | 472,000 | 604,000 |
| Net income | 393,000 | 766,000 | 1,177,000 | 1,534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,332,000 | 16,705,000 | 17,115,000 | 17,472,000 |
| Total capital | 17,732,000 | 18,108,000 | 18,512,000 | 18,861,000 |
| Risk-weighted assets | 108,919,000 | 108,955,000 | 108,477,000 | 107,611,000 |