Call reports 2016
WAWEL BANK — 2016
What WAWEL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 72,009,000 | 73,025,000 | 73,055,000 | 74,934,000 |
| Total loans | 52,960,000 | 51,270,000 | 49,980,000 | 51,071,000 |
| Allowance for loan losses | 810,000 | 585,000 | 594,000 | 549,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,111,000 | 65,001,000 | 65,407,000 | 67,091,000 |
| Interest-bearing deposits | 51,824,000 | 53,756,000 | 53,641,000 | 55,130,000 |
| Noninterest-bearing deposits | 12,287,000 | 11,245,000 | 11,766,000 | 11,961,000 |
| Equity capital | 7,532,000 | 7,592,000 | 7,262,000 | 7,371,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 595,000 | 1,418,000 | 2,001,000 | 2,632,000 |
| Interest expense | 97,000 | 200,000 | 310,000 | 424,000 |
| Net interest income | 498,000 | 1,218,000 | 1,691,000 | 2,208,000 |
| Noninterest income | 50,000 | 91,000 | 173,000 | 464,000 |
| Noninterest expense | 900,000 | 1,817,000 | 2,702,000 | 3,500,000 |
| Provision for loan losses | -300,000 | -515,000 | -515,000 | -615,000 |
| Pretax income | -52,000 | 7,000 | -323,000 | -213,000 |
| Income tax | 3,000 | 3,000 | 3,000 | 3,000 |
| Net income | -55,000 | 4,000 | -326,000 | -216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,532,000 | 7,592,000 | 7,262,000 | 7,371,000 |
| Total capital | 8,100,000 | 8,156,000 | 7,817,000 | 7,920,000 |
| Risk-weighted assets | 45,204,000 | 45,107,000 | 44,401,000 | 45,434,000 |