Call reports 2004
WILTON BANK, THE — 2004
What WILTON BANK, THE 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 | 106,508,000 | 104,229,000 | 105,243,000 | 112,976,000 |
| Total loans | 80,347,000 | 78,241,000 | 88,936,000 | 95,700,000 |
| Allowance for loan losses | 2,744,000 | 2,773,000 | 2,810,000 | 2,662,000 |
| Securities available for sale | 3,002,000 | 2,964,000 | 2,977,000 | 2,969,000 |
| Securities held to maturity | 10,048,000 | 10,034,000 | 9,502,000 | 8,986,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,898,000 | 88,848,000 | 85,510,000 | 94,992,000 |
| Interest-bearing deposits | 76,016,000 | 72,340,000 | 70,757,000 | 78,714,000 |
| Noninterest-bearing deposits | 14,882,000 | 16,508,000 | 14,753,000 | 16,278,000 |
| Equity capital | 13,059,000 | 13,452,000 | 13,560,000 | 14,287,000 |
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 | 2,033,000 | 3,844,000 | 5,193,000 | 7,162,000 |
| Interest expense | 176,000 | 362,000 | 554,000 | 803,000 |
| Net interest income | 1,857,000 | 3,482,000 | 4,639,000 | 6,359,000 |
| Noninterest income | 70,000 | 144,000 | 229,000 | 304,000 |
| Noninterest expense | 819,000 | 1,689,000 | 2,365,000 | 3,135,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 1,078,000 | 1,877,000 | 2,413,000 | 3,408,000 |
| Income tax | 424,000 | 740,000 | 951,000 | 1,344,000 |
| Net income | 654,000 | 1,137,000 | 1,462,000 | 2,064,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,053,000 | 13,470,000 | 13,571,000 | 14,304,000 |
| Total capital | 14,181,000 | 14,588,000 | 14,765,000 | 15,595,000 |
| Risk-weighted assets | 88,588,000 | 87,799,000 | 93,869,000 | 101,886,000 |