Call reports 2004
WILSON & MUIR BANK & TRUST COMPANY — 2004
What WILSON & MUIR BANK & TRUST COMPANY 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 | 264,972,000 | 264,654,000 | 271,125,000 | 277,994,000 |
| Total loans | 184,236,000 | 178,519,000 | 182,910,000 | 180,933,000 |
| Allowance for loan losses | 1,745,000 | 1,689,000 | 1,467,000 | 1,540,000 |
| Securities available for sale | 62,537,000 | 64,947,000 | 66,268,000 | 67,424,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,457,000 | 227,710,000 | 229,843,000 | 224,783,000 |
| Interest-bearing deposits | 165,654,000 | 170,808,000 | 169,790,000 | 158,142,000 |
| Noninterest-bearing deposits | 60,803,000 | 56,902,000 | 60,053,000 | 66,641,000 |
| Equity capital | 33,932,000 | 32,167,000 | 32,951,000 | 33,594,000 |
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 | 3,066,000 | 6,123,000 | 9,364,000 | 12,806,000 |
| Interest expense | 532,000 | 1,059,000 | 1,610,000 | 2,175,000 |
| Net interest income | 2,534,000 | 5,064,000 | 7,754,000 | 10,631,000 |
| Noninterest income | 714,000 | 1,410,000 | 2,058,000 | 2,723,000 |
| Noninterest expense | 2,210,000 | 4,369,000 | 6,621,000 | 9,054,000 |
| Provision for loan losses | 15,000 | 30,000 | 105,000 | 180,000 |
| Pretax income | 1,023,000 | 2,075,000 | 3,086,000 | 4,120,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,023,000 | 2,075,000 | 3,086,000 | 4,120,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,496,000 | 31,891,000 | 32,129,000 | 33,188,000 |
| Total capital | 34,241,000 | 33,580,000 | 33,596,000 | 34,728,000 |
| Risk-weighted assets | 186,628,000 | 184,940,000 | 187,893,000 | 191,641,000 |
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