Call reports 2013
WPS COMMUNITY BANK, FSB — 2013
What WPS COMMUNITY BANK, FSB reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 76,737,000 | 79,250,000 | 88,556,000 | 91,445,000 |
| Total loans | 70,884,000 | 70,427,000 | 78,978,000 | 80,718,000 |
| Allowance for loan losses | 729,000 | 783,000 | 902,000 | 1,194,000 |
| Securities available for sale | 4,428,000 | 4,221,000 | 4,102,000 | 2,744,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,517,000 | 64,376,000 | 73,546,000 | 76,219,000 |
| Interest-bearing deposits | 51,763,000 | 57,621,000 | 61,609,000 | 60,975,000 |
| Noninterest-bearing deposits | 6,754,000 | 6,755,000 | 11,937,000 | 15,244,000 |
| Equity capital | 8,723,000 | 8,726,000 | 8,804,000 | 8,857,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 862,000 | 1,699,000 | 2,606,000 | 3,577,000 |
| Interest expense | 105,000 | 214,000 | 327,000 | 446,000 |
| Net interest income | 757,000 | 1,485,000 | 2,279,000 | 3,131,000 |
| Noninterest income | 197,000 | 349,000 | 435,000 | 679,000 |
| Noninterest expense | 752,000 | 1,520,000 | 2,154,000 | 2,839,000 |
| Provision for loan losses | 84,000 | 138,000 | 257,000 | 549,000 |
| Pretax income | 118,000 | 176,000 | 303,000 | 422,000 |
| Income tax | 47,000 | 71,000 | 119,000 | 170,000 |
| Net income | 71,000 | 105,000 | 184,000 | 252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,662,000 | 8,695,000 | 8,774,000 | 8,842,000 |
| Total capital | 9,391,000 | 9,476,000 | 9,618,000 | 9,696,000 |
| Risk-weighted assets | 61,062,000 | 61,733,000 | 67,485,000 | 67,941,000 |