Call reports 2015
WAWEL BANK — 2015
What WAWEL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 72,928,000 | 74,307,000 | 73,070,000 | 71,996,000 |
| Total loans | 36,792,000 | 52,946,000 | 53,315,000 | 55,066,000 |
| Allowance for loan losses | 1,302,000 | 1,437,000 | 1,189,000 | 1,020,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,294,000 | 66,046,000 | 64,902,000 | 63,876,000 |
| Interest-bearing deposits | 52,206,000 | 52,090,000 | 51,641,000 | 51,818,000 |
| Noninterest-bearing deposits | 12,088,000 | 13,956,000 | 13,261,000 | 12,058,000 |
| Equity capital | 7,839,000 | 7,534,000 | 7,614,000 | 7,588,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 657,000 | 1,245,000 | 1,857,000 | 2,488,000 |
| Interest expense | 85,000 | 173,000 | 261,000 | 358,000 |
| Net interest income | 572,000 | 1,072,000 | 1,596,000 | 2,130,000 |
| Noninterest income | 53,000 | 171,000 | 214,000 | 276,000 |
| Noninterest expense | 949,000 | 1,872,000 | 2,661,000 | 3,482,000 |
| Provision for loan losses | 0 | 0 | -300,000 | -500,000 |
| Pretax income | -324,000 | -629,000 | -551,000 | -576,000 |
| Income tax | 0 | 0 | -2,000 | 0 |
| Net income | -324,000 | -629,000 | -549,000 | -576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,839,000 | 7,534,000 | 7,614,000 | 7,588,000 |
| Total capital | 8,352,000 | 8,104,000 | 8,193,000 | 8,170,000 |
| Risk-weighted assets | 40,324,000 | 44,797,000 | 45,742,000 | 46,188,000 |