Call reports 2003
WELLWORTH BANK — 2003
What WELLWORTH BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 276,347,000 | 273,489,000 | 272,547,000 | 274,457,000 |
| Total loans | 139,373,000 | 143,110,000 | 142,916,000 | 140,741,000 |
| Allowance for loan losses | 2,137,000 | 1,792,000 | 1,812,000 | 1,909,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 87,490,000 | 89,605,000 | 91,788,000 | 90,376,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,917,000 | 244,377,000 | 242,596,000 | 243,756,000 |
| Interest-bearing deposits | 217,865,000 | 214,536,000 | 214,122,000 | 212,996,000 |
| Noninterest-bearing deposits | 30,052,000 | 29,841,000 | 28,474,000 | 30,760,000 |
| Equity capital | 27,491,000 | 28,345,000 | 29,047,000 | 29,777,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,679,000 | 7,313,000 | 10,905,000 | 14,413,000 |
| Interest expense | 1,270,000 | 2,447,000 | 3,518,000 | 4,518,000 |
| Net interest income | 2,409,000 | 4,866,000 | 7,387,000 | 9,895,000 |
| Noninterest income | 435,000 | 930,000 | 1,401,000 | 2,028,000 |
| Noninterest expense | 1,615,000 | 3,244,000 | 4,878,000 | 6,898,000 |
| Provision for loan losses | 688,000 | 719,000 | 873,000 | 1,053,000 |
| Pretax income | 543,000 | 1,844,000 | 3,049,000 | 4,006,000 |
| Income tax | 97,000 | 544,000 | 822,000 | 1,049,000 |
| Net income | 446,000 | 1,300,000 | 2,227,000 | 2,957,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,276,000 | 28,140,000 | 28,852,000 | 29,592,000 |
| Total capital | 29,236,000 | 29,932,000 | 30,664,000 | 31,501,000 |
| Risk-weighted assets | 156,641,000 | 155,459,000 | 157,329,000 | 155,816,000 |
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