Call reports 2003
WILTON BANK, THE — 2003
What WILTON BANK, THE 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 | 102,411,000 | 99,708,000 | 96,812,000 | 97,941,000 |
| Total loans | 81,410,000 | 77,356,000 | 75,468,000 | 77,223,000 |
| Allowance for loan losses | 2,810,000 | 2,782,000 | 2,789,000 | 2,794,000 |
| Securities available for sale | 1,007,000 | 0 | 3,002,000 | 2,990,000 |
| Securities held to maturity | 11,841,000 | 10,500,000 | 12,977,000 | 11,963,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,623,000 | 84,080,000 | 81,129,000 | 82,222,000 |
| Interest-bearing deposits | 73,533,000 | 71,495,000 | 67,628,000 | 66,624,000 |
| Noninterest-bearing deposits | 13,090,000 | 12,585,000 | 13,501,000 | 15,598,000 |
| Equity capital | 12,295,000 | 12,530,000 | 12,918,000 | 13,385,000 |
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 | 1,621,000 | 3,243,000 | 4,801,000 | 6,337,000 |
| Interest expense | 257,000 | 497,000 | 694,000 | 877,000 |
| Net interest income | 1,364,000 | 2,746,000 | 4,107,000 | 5,460,000 |
| Noninterest income | 85,000 | 174,000 | 249,000 | 334,000 |
| Noninterest expense | 703,000 | 1,405,000 | 2,114,000 | 2,824,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 716,000 | 1,455,000 | 2,152,000 | 2,850,000 |
| Income tax | 272,000 | 552,000 | 816,000 | 1,080,000 |
| Net income | 444,000 | 903,000 | 1,336,000 | 1,770,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,290,000 | 12,530,000 | 12,910,000 | 13,386,000 |
| Total capital | 13,396,000 | 13,600,000 | 13,970,000 | 14,469,000 |
| Risk-weighted assets | 86,759,000 | 83,859,000 | 83,058,000 | 84,958,000 |