Call reports 2005
WILTON BANK, THE — 2005
What WILTON BANK, THE 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 | 113,989,000 | 117,349,000 | 116,551,000 | 122,303,000 |
| Total loans | 97,478,000 | 102,922,000 | 91,862,000 | 95,718,000 |
| Allowance for loan losses | 2,666,000 | 2,609,000 | 2,601,000 | 2,593,000 |
| Securities available for sale | 2,962,000 | 1,974,000 | 1,977,000 | 2,974,000 |
| Securities held to maturity | 7,991,000 | 6,989,000 | 10,457,000 | 9,467,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,019,000 | 101,148,000 | 99,479,000 | 104,340,000 |
| Interest-bearing deposits | 80,927,000 | 84,787,000 | 86,491,000 | 86,210,000 |
| Noninterest-bearing deposits | 14,092,000 | 16,361,000 | 12,988,000 | 18,130,000 |
| Equity capital | 14,202,000 | 14,827,000 | 15,572,000 | 16,280,000 |
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 | 2,063,000 | 4,364,000 | 6,815,000 | 9,303,000 |
| Interest expense | 275,000 | 650,000 | 1,134,000 | 1,638,000 |
| Net interest income | 1,788,000 | 3,714,000 | 5,681,000 | 7,665,000 |
| Noninterest income | 70,000 | 140,000 | 213,000 | 280,000 |
| Noninterest expense | 846,000 | 1,690,000 | 2,517,000 | 3,466,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,012,000 | 2,164,000 | 3,377,000 | 4,479,000 |
| Income tax | 396,000 | 847,000 | 1,322,000 | 1,753,000 |
| Net income | 616,000 | 1,317,000 | 2,055,000 | 2,726,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,223,000 | 14,841,000 | 15,585,000 | 16,288,000 |
| Total capital | 15,540,000 | 16,221,000 | 16,846,000 | 17,614,000 |
| Risk-weighted assets | 104,007,000 | 109,167,000 | 99,540,000 | 104,718,000 |