Call reports 2003
WILSON & MUIR BANK & TRUST COMPANY — 2003
What WILSON & MUIR BANK & TRUST COMPANY 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 | 273,731,000 | 262,817,000 | 258,132,000 | 273,618,000 |
| Total loans | 182,871,000 | 187,578,000 | 173,734,000 | 175,922,000 |
| Allowance for loan losses | 1,847,000 | 1,849,000 | 1,703,000 | 1,718,000 |
| Securities available for sale | 66,726,000 | 52,476,000 | 57,966,000 | 71,035,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,856,000 | 225,016,000 | 220,449,000 | 235,336,000 |
| Interest-bearing deposits | 172,703,000 | 165,461,000 | 165,269,000 | 168,144,000 |
| Noninterest-bearing deposits | 59,153,000 | 59,555,000 | 55,180,000 | 67,192,000 |
| Equity capital | 33,927,000 | 33,090,000 | 32,722,000 | 33,598,000 |
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 | 3,305,000 | 6,509,000 | 9,401,000 | 12,448,000 |
| Interest expense | 681,000 | 1,313,000 | 1,898,000 | 2,450,000 |
| Net interest income | 2,624,000 | 5,196,000 | 7,503,000 | 9,998,000 |
| Noninterest income | 927,000 | 2,090,000 | 3,150,000 | 3,792,000 |
| Noninterest expense | 2,097,000 | 4,177,000 | 6,397,000 | 8,539,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 1,439,000 | 3,079,000 | 4,211,000 | 5,191,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,439,000 | 3,079,000 | 4,211,000 | 5,191,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,376,000 | 31,566,000 | 31,363,000 | 32,369,000 |
| Total capital | 34,223,000 | 33,415,000 | 33,066,000 | 34,087,000 |
| Risk-weighted assets | 180,669,000 | 181,080,000 | 174,077,000 | 176,962,000 |
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