Call reports 2003
BANK OF WIGGINS — 2003
What BANK OF WIGGINS 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 | 121,089,000 | 128,168,000 | 128,375,000 | 127,821,000 |
| Total loans | 71,457,000 | 71,457,000 | 72,996,000 | 71,163,000 |
| Allowance for loan losses | 1,475,000 | 1,475,000 | 1,475,000 | 1,475,000 |
| Securities available for sale | 28,428,000 | 31,751,000 | 33,707,000 | 37,088,000 |
| Securities held to maturity | 10,670,000 | 10,276,000 | 9,979,000 | 8,652,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,409,000 | 114,056,000 | 114,132,000 | 114,272,000 |
| Interest-bearing deposits | 92,932,000 | 96,253,000 | 97,740,000 | 96,631,000 |
| Noninterest-bearing deposits | 14,477,000 | 17,803,000 | 16,392,000 | 17,641,000 |
| Equity capital | 12,613,000 | 12,844,000 | 13,053,000 | 12,748,000 |
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 | 1,924,000 | 3,859,000 | 5,772,000 | 7,624,000 |
| Interest expense | 748,000 | 1,486,000 | 2,222,000 | 2,939,000 |
| Net interest income | 1,176,000 | 2,373,000 | 3,550,000 | 4,685,000 |
| Noninterest income | 238,000 | 453,000 | 783,000 | 1,044,000 |
| Noninterest expense | 805,000 | 1,663,000 | 2,464,000 | 3,394,000 |
| Provision for loan losses | 15,000 | 71,000 | 104,000 | 103,000 |
| Pretax income | 594,000 | 1,092,000 | 1,765,000 | 2,232,000 |
| Income tax | 148,000 | 302,000 | 484,000 | 647,000 |
| Net income | 446,000 | 790,000 | 1,281,000 | 1,585,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,247,000 | 12,367,000 | 12,858,000 | 12,658,000 |
| Total capital | 13,173,000 | 13,303,000 | 13,725,000 | 13,596,000 |
| Risk-weighted assets | 73,517,000 | 74,323,000 | 68,764,000 | 74,535,000 |
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