Call reports 2005
FIRST STATE BANK OF WILTON — 2005
What FIRST STATE BANK OF WILTON 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 | 24,481,000 | 25,631,000 | 26,410,000 | 24,813,000 |
| Total loans | 11,178,000 | 13,366,000 | 14,445,000 | 13,318,000 |
| Allowance for loan losses | 289,000 | 302,000 | 309,000 | 315,000 |
| Securities available for sale | 9,525,000 | 9,811,000 | 9,593,000 | 9,004,000 |
| Securities held to maturity | 753,000 | 1,194,000 | 1,195,000 | 1,195,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,156,000 | 20,790,000 | 21,514,000 | 21,399,000 |
| Interest-bearing deposits | 18,221,000 | 17,378,000 | 17,830,000 | 17,274,000 |
| Noninterest-bearing deposits | 3,935,000 | 3,412,000 | 3,684,000 | 4,124,000 |
| Equity capital | 2,185,000 | 2,326,000 | 2,301,000 | 2,280,000 |
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 | 326,000 | 663,000 | 1,062,000 | 1,450,000 |
| Interest expense | 86,000 | 183,000 | 312,000 | 437,000 |
| Net interest income | 240,000 | 480,000 | 750,000 | 1,013,000 |
| Noninterest income | 12,000 | 41,000 | 63,000 | 88,000 |
| Noninterest expense | 146,000 | 291,000 | 444,000 | 616,000 |
| Provision for loan losses | 8,000 | 15,000 | 21,000 | 28,000 |
| Pretax income | 97,000 | 214,000 | 347,000 | 415,000 |
| Income tax | 24,000 | 66,000 | 106,000 | 120,000 |
| Net income | 73,000 | 148,000 | 241,000 | 295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,280,000 | 2,356,000 | 2,372,000 | 2,426,000 |
| Total capital | 2,463,000 | 2,557,000 | 2,586,000 | 2,628,000 |
| Risk-weighted assets | 14,527,000 | 15,943,000 | 17,009,000 | 16,039,000 |
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