Call reports 2004
WILBURTON STATE BANK — 2004
What WILBURTON STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 54,041,000 | 52,819,000 | 51,595,000 | 55,403,000 |
| Total loans | 25,448,000 | 25,722,000 | 25,564,000 | 28,365,000 |
| Allowance for loan losses | 474,000 | 501,000 | 527,000 | 543,000 |
| Securities available for sale | 11,120,000 | 10,733,000 | 11,657,000 | 11,522,000 |
| Securities held to maturity | 281,000 | 191,000 | 191,000 | 191,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,755,000 | 49,849,000 | 48,426,000 | 52,159,000 |
| Interest-bearing deposits | 42,019,000 | 41,281,000 | 37,953,000 | 45,507,000 |
| Noninterest-bearing deposits | 8,736,000 | 8,568,000 | 10,473,000 | 6,652,000 |
| Equity capital | 3,221,000 | 2,850,000 | 3,037,000 | 3,123,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 605,000 | 1,232,000 | 1,876,000 | 2,545,000 |
| Interest expense | 119,000 | 235,000 | 351,000 | 468,000 |
| Net interest income | 486,000 | 997,000 | 1,525,000 | 2,077,000 |
| Noninterest income | 80,000 | 157,000 | 239,000 | 322,000 |
| Noninterest expense | 310,000 | 594,000 | 876,000 | 1,168,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 226,000 | 500,000 | 798,000 | 1,111,000 |
| Income tax | 0 | 143,000 | 143,000 | 143,000 |
| Net income | 226,000 | 357,000 | 655,000 | 968,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,868,000 | 2,654,000 | 2,777,000 | 2,889,000 |
| Total capital | 3,210,000 | 2,996,000 | 3,112,000 | 3,262,000 |
| Risk-weighted assets | 27,199,000 | 27,240,000 | 26,615,000 | 29,681,000 |
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