Call reports 2019
WOLF RIVER COMMUNITY BANK — 2019
What WOLF RIVER COMMUNITY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 190,749,000 | 192,750,000 | 197,672,000 | 195,437,000 |
| Total loans | 149,547,000 | 155,072,000 | 155,215,000 | 154,770,000 |
| Allowance for loan losses | 1,895,000 | 1,940,000 | 1,983,000 | 2,028,000 |
| Securities available for sale | 23,918,000 | 24,393,000 | 24,779,000 | 24,883,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,648,000 | 155,145,000 | 156,281,000 | 155,238,000 |
| Interest-bearing deposits | 130,185,000 | 127,626,000 | 128,588,000 | 128,745,000 |
| Noninterest-bearing deposits | 26,463,000 | 27,519,000 | 27,693,000 | 26,493,000 |
| Equity capital | 22,939,000 | 23,703,000 | 24,369,000 | 25,069,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,082,000 | 4,241,000 | 6,470,000 | 8,711,000 |
| Interest expense | 280,000 | 593,000 | 943,000 | 1,287,000 |
| Net interest income | 1,802,000 | 3,648,000 | 5,527,000 | 7,424,000 |
| Noninterest income | 202,000 | 476,000 | 793,000 | 1,204,000 |
| Noninterest expense | 1,352,000 | 2,719,000 | 4,104,000 | 5,463,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 607,000 | 1,315,000 | 2,081,000 | 2,985,000 |
| Income tax | 129,000 | 284,000 | 455,000 | 664,000 |
| Net income | 478,000 | 1,031,000 | 1,626,000 | 2,321,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,764,000 | 23,316,000 | 23,911,000 | 24,607,000 |
| Total capital | 24,650,000 | 25,224,000 | 25,834,000 | 26,531,000 |
| Risk-weighted assets | 150,836,000 | 152,577,000 | 153,793,000 | 153,856,000 |