Call reports 2005
WILSON & MUIR BANK & TRUST COMPANY — 2005
What WILSON & MUIR BANK & TRUST COMPANY 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 | 275,077,000 | 282,719,000 | 283,772,000 | 281,889,000 |
| Total loans | 186,712,000 | 190,337,000 | 191,171,000 | 190,271,000 |
| Allowance for loan losses | 1,659,000 | 1,689,000 | 1,688,000 | 1,714,000 |
| Securities available for sale | 62,392,000 | 61,643,000 | 60,817,000 | 59,171,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,515,000 | 228,742,000 | 232,320,000 | 223,022,000 |
| Interest-bearing deposits | 155,914,000 | 153,311,000 | 204,526,000 | 156,236,000 |
| Noninterest-bearing deposits | 67,601,000 | 75,431,000 | 27,794,000 | 66,786,000 |
| Equity capital | 32,834,000 | 32,635,000 | 32,502,000 | 33,766,000 |
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 | 3,522,000 | 7,377,000 | 11,558,000 | 15,944,000 |
| Interest expense | 589,000 | 1,235,000 | 1,957,000 | 2,781,000 |
| Net interest income | 2,933,000 | 6,142,000 | 9,601,000 | 13,163,000 |
| Noninterest income | 562,000 | 1,262,000 | 2,035,000 | 2,698,000 |
| Noninterest expense | 2,379,000 | 4,719,000 | 7,143,000 | 9,779,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 1,041,000 | 2,535,000 | 4,268,000 | 5,782,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,041,000 | 2,535,000 | 4,268,000 | 5,782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,935,000 | 32,324,000 | 32,525,000 | 34,065,000 |
| Total capital | 34,594,000 | 34,013,000 | 34,213,000 | 35,779,000 |
| Risk-weighted assets | 194,324,000 | 202,624,000 | 202,449,000 | 205,567,000 |
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