Call reports 2015
WOLF RIVER COMMUNITY BANK — 2015
What WOLF RIVER COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 137,441,000 | 135,764,000 | 135,946,000 | 137,355,000 |
| Total loans | 106,451,000 | 102,302,000 | 103,446,000 | 103,042,000 |
| Allowance for loan losses | 1,786,000 | 1,802,000 | 1,825,000 | 1,853,000 |
| Securities available for sale | 21,777,000 | 21,686,000 | 21,871,000 | 22,016,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,090,000 | 110,560,000 | 111,338,000 | 112,234,000 |
| Interest-bearing deposits | 98,206,000 | 97,274,000 | 97,165,000 | 96,094,000 |
| Noninterest-bearing deposits | 12,884,000 | 13,286,000 | 14,174,000 | 16,140,000 |
| Equity capital | 18,264,000 | 18,522,000 | 18,967,000 | 18,163,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,397,000 | 2,773,000 | 4,167,000 | 5,591,000 |
| Interest expense | 146,000 | 280,000 | 408,000 | 533,000 |
| Net interest income | 1,251,000 | 2,493,000 | 3,759,000 | 5,058,000 |
| Noninterest income | 202,000 | 481,000 | 684,000 | 906,000 |
| Noninterest expense | 884,000 | 1,772,000 | 2,685,000 | 3,691,000 |
| Provision for loan losses | 26,000 | 51,000 | 77,000 | 102,000 |
| Pretax income | 543,000 | 1,151,000 | 1,681,000 | 2,171,000 |
| Income tax | 153,000 | 330,000 | 476,000 | 609,000 |
| Net income | 390,000 | 821,000 | 1,205,000 | 1,562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,782,000 | 18,212,000 | 18,596,000 | 17,748,000 |
| Total capital | 19,095,000 | 19,435,000 | 19,877,000 | 19,059,000 |
| Risk-weighted assets | 104,580,000 | 97,257,000 | 101,963,000 | 104,332,000 |