Call reports 2020
WOLF RIVER COMMUNITY BANK — 2020
What WOLF RIVER COMMUNITY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 205,965,000 | 224,739,000 | 238,010,000 | 247,144,000 |
| Total loans | 153,840,000 | 162,634,000 | 166,344,000 | 151,732,000 |
| Allowance for loan losses | 2,053,000 | 2,779,000 | 3,104,000 | 3,130,000 |
| Securities available for sale | 24,571,000 | 25,646,000 | 25,858,000 | 36,973,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,399,000 | 181,830,000 | 194,494,000 | 205,113,000 |
| Interest-bearing deposits | 138,774,000 | 142,548,000 | 153,325,000 | 164,162,000 |
| Noninterest-bearing deposits | 26,625,000 | 39,283,000 | 41,169,000 | 40,951,000 |
| Equity capital | 25,453,000 | 26,598,000 | 27,427,000 | 28,631,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,163,000 | 4,909,000 | 7,111,000 | 9,216,000 |
| Interest expense | 318,000 | 581,000 | 802,000 | 956,000 |
| Net interest income | 1,845,000 | 4,328,000 | 6,309,000 | 8,260,000 |
| Noninterest income | 381,000 | 1,199,000 | 2,109,000 | 3,206,000 |
| Noninterest expense | 1,403,000 | 2,958,000 | 4,499,000 | 5,979,000 |
| Provision for loan losses | 25,000 | 751,000 | 1,076,000 | 1,102,000 |
| Pretax income | 797,000 | 1,818,000 | 2,842,000 | 4,385,000 |
| Income tax | 181,000 | 423,000 | 665,000 | 1,047,000 |
| Net income | 616,000 | 1,395,000 | 2,177,000 | 3,338,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,948,000 | 25,727,000 | 26,508,000 | 27,669,000 |