Call reports 2014
WPS COMMUNITY BANK, FSB — 2014
What WPS COMMUNITY BANK, FSB reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 90,423,000 | 98,046,000 | 98,621,000 | 96,187,000 |
| Total loans | 84,251,000 | 92,594,000 | 95,089,000 | 94,957,000 |
| Allowance for loan losses | 1,250,000 | 1,310,000 | 1,317,000 | 1,317,000 |
| Securities available for sale | 3,595,000 | 3,573,000 | 2,777,000 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,404,000 | 81,850,000 | 83,149,000 | 80,373,000 |
| Interest-bearing deposits | 62,207,000 | 67,992,000 | 68,514,000 | 63,760,000 |
| Noninterest-bearing deposits | 12,197,000 | 13,858,000 | 14,635,000 | 16,613,000 |
| Equity capital | 8,953,000 | 9,120,000 | 9,288,000 | 9,516,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 947,000 | 1,979,000 | 3,058,000 | 4,153,000 |
| Interest expense | 111,000 | 232,000 | 361,000 | 485,000 |
| Net interest income | 836,000 | 1,747,000 | 2,697,000 | 3,668,000 |
| Noninterest income | 58,000 | 159,000 | 226,000 | 375,000 |
| Noninterest expense | 719,000 | 1,438,000 | 2,180,000 | 2,927,000 |
| Provision for loan losses | 56,000 | 116,000 | 136,000 | 136,000 |
| Pretax income | 119,000 | 352,000 | 607,000 | 1,086,000 |
| Income tax | 48,000 | 131,000 | 226,000 | 412,000 |
| Net income | 71,000 | 221,000 | 381,000 | 674,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,893,000 | 9,039,000 | 9,223,000 | 9,516,000 |
| Total capital | 9,773,000 | 10,018,000 | 10,221,000 | 10,514,000 |
| Risk-weighted assets | 70,020,000 | 77,979,000 | 79,500,000 | 79,557,000 |