Call reports 2016
WOLF RIVER COMMUNITY BANK — 2016
What WOLF RIVER COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 142,704,000 | 141,391,000 | 147,866,000 | 146,476,000 |
| Total loans | 103,059,000 | 102,114,000 | 104,031,000 | 103,934,000 |
| Allowance for loan losses | 1,869,000 | 1,743,000 | 1,794,000 | 1,759,000 |
| Securities available for sale | 22,041,000 | 23,224,000 | 23,247,000 | 22,638,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,588,000 | 119,856,000 | 125,687,000 | 124,563,000 |
| Interest-bearing deposits | 103,508,000 | 101,826,000 | 104,866,000 | 104,954,000 |
| Noninterest-bearing deposits | 17,080,000 | 18,030,000 | 20,821,000 | 19,608,000 |
| Equity capital | 18,508,000 | 18,908,000 | 19,306,000 | 19,264,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,365,000 | 2,746,000 | 4,155,000 | 5,558,000 |
| Interest expense | 124,000 | 246,000 | 371,000 | 496,000 |
| Net interest income | 1,241,000 | 2,500,000 | 3,784,000 | 5,062,000 |
| Noninterest income | 232,000 | 488,000 | 811,000 | 1,116,000 |
| Noninterest expense | 1,039,000 | 2,037,000 | 3,030,000 | 4,025,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 419,000 | 936,000 | 1,550,000 | 2,138,000 |
| Income tax | 101,000 | 243,000 | 424,000 | 594,000 |
| Net income | 318,000 | 693,000 | 1,126,000 | 1,544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,066,000 | 18,441,000 | 18,875,000 | 19,293,000 |
| Total capital | 19,381,000 | 19,745,000 | 20,212,000 | 20,627,000 |
| Risk-weighted assets | 104,662,000 | 103,920,000 | 106,523,000 | 106,268,000 |