Call reports 2005
WELLWORTH BANK — 2005
What WELLWORTH BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 275,470,000 | 277,034,000 | 276,037,000 | 282,884,000 |
| Total loans | 135,764,000 | 137,010,000 | 136,959,000 | 136,673,000 |
| Allowance for loan losses | 2,060,000 | 2,008,000 | 1,946,000 | 1,869,000 |
| Securities available for sale | 0 | 39,000 | 39,000 | 39,000 |
| Securities held to maturity | 103,523,000 | 107,079,000 | 108,426,000 | 109,860,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,444,000 | 248,173,000 | 246,259,000 | 252,574,000 |
| Interest-bearing deposits | 213,633,000 | 211,426,000 | 211,136,000 | 210,988,000 |
| Noninterest-bearing deposits | 33,811,000 | 36,747,000 | 35,123,000 | 41,586,000 |
| Equity capital | 27,193,000 | 27,973,000 | 28,532,000 | 29,207,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,393,000 | 6,906,000 | 10,526,000 | 14,247,000 |
| Interest expense | 1,067,000 | 2,231,000 | 3,517,000 | 4,931,000 |
| Net interest income | 2,326,000 | 4,675,000 | 7,009,000 | 9,316,000 |
| Noninterest income | 487,000 | 1,060,000 | 1,690,000 | 2,309,000 |
| Noninterest expense | 1,848,000 | 3,717,000 | 5,579,000 | 7,667,000 |
| Provision for loan losses | 61,000 | 63,000 | 64,000 | 72,000 |
| Pretax income | 907,000 | 1,962,000 | 3,062,000 | 3,893,000 |
| Income tax | 255,000 | 530,000 | 823,000 | 978,000 |
| Net income | 652,000 | 1,432,000 | 2,239,000 | 2,915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,058,000 | 27,848,000 | 28,416,000 | 29,101,000 |
| Total capital | 28,946,000 | 29,749,000 | 30,318,000 | 30,970,000 |
| Risk-weighted assets | 150,832,000 | 151,997,000 | 152,078,000 | 157,705,000 |
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