Call reports 2004
BANK OF WIGGINS — 2004
What BANK OF WIGGINS 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 | 138,551,000 | 135,639,000 | 138,013,000 | 138,042,000 |
| Total loans | 75,817,000 | 77,925,000 | 78,473,000 | 80,365,000 |
| Allowance for loan losses | 1,475,000 | 1,475,000 | 1,475,000 | 1,475,000 |
| Securities available for sale | 35,141,000 | 35,085,000 | 34,200,000 | 37,485,000 |
| Securities held to maturity | 8,494,000 | 8,391,000 | 9,715,000 | 8,570,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,956,000 | 121,617,000 | 123,009,000 | 123,554,000 |
| Interest-bearing deposits | 101,421,000 | 103,326,000 | 106,117,000 | 105,633,000 |
| Noninterest-bearing deposits | 22,535,000 | 18,291,000 | 16,892,000 | 17,921,000 |
| Equity capital | 13,373,000 | 12,943,000 | 13,688,000 | 13,519,000 |
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 | 1,831,000 | 3,687,000 | 5,552,000 | 7,437,000 |
| Interest expense | 727,000 | 1,453,000 | 2,201,000 | 2,959,000 |
| Net interest income | 1,104,000 | 2,234,000 | 3,351,000 | 4,478,000 |
| Noninterest income | 323,000 | 624,000 | 951,000 | 1,290,000 |
| Noninterest expense | 883,000 | 1,729,000 | 2,589,000 | 3,463,000 |
| Provision for loan losses | 9,000 | 39,000 | 80,000 | 124,000 |
| Pretax income | 535,000 | 1,090,000 | 1,633,000 | 2,181,000 |
| Income tax | 138,000 | 283,000 | 442,000 | 574,000 |
| Net income | 397,000 | 807,000 | 1,191,000 | 1,607,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,055,000 | 13,241,000 | 13,625,000 | 13,537,000 |
| Total capital | 14,055,000 | 14,235,000 | 14,627,000 | 14,540,000 |
| Risk-weighted assets | 79,317,000 | 79,452,000 | 79,645,000 | 79,839,000 |
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