Call reports 2005
BANK OF WIGGINS — 2005
What BANK OF WIGGINS 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 | 146,425,000 | 144,326,000 | 156,719,000 | 173,168,000 |
| Total loans | 82,708,000 | 85,043,000 | 87,273,000 | 89,710,000 |
| Allowance for loan losses | 1,475,000 | 1,475,000 | 1,475,000 | 1,475,000 |
| Securities available for sale | 40,251,000 | 42,390,000 | 39,844,000 | 49,428,000 |
| Securities held to maturity | 8,573,000 | 8,069,000 | 8,073,000 | 10,507,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,791,000 | 129,263,000 | 140,574,000 | 158,114,000 |
| Interest-bearing deposits | 111,943,000 | 109,198,000 | 112,839,000 | 122,987,000 |
| Noninterest-bearing deposits | 19,848,000 | 20,065,000 | 27,735,000 | 35,127,000 |
| Equity capital | 13,508,000 | 14,022,000 | 14,236,000 | 13,999,000 |
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 | 1,916,000 | 3,923,000 | 5,936,000 | 8,207,000 |
| Interest expense | 784,000 | 1,588,000 | 2,397,000 | 3,240,000 |
| Net interest income | 1,132,000 | 2,335,000 | 3,539,000 | 4,967,000 |
| Noninterest income | 321,000 | 678,000 | 1,030,000 | 1,319,000 |
| Noninterest expense | 846,000 | 1,765,000 | 2,613,000 | 3,586,000 |
| Provision for loan losses | 18,000 | 33,000 | 56,000 | 78,000 |
| Pretax income | 589,000 | 1,215,000 | 1,900,000 | 2,622,000 |
| Income tax | 169,000 | 351,000 | 574,000 | 797,000 |
| Net income | 420,000 | 864,000 | 1,326,000 | 1,825,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,957,000 | 14,177,000 | 14,639,000 | 14,578,000 |
| Total capital | 14,998,000 | 15,219,000 | 15,731,000 | 15,658,000 |
| Risk-weighted assets | 82,771,000 | 82,917,000 | 86,981,000 | 86,979,000 |