Call reports 2006
WILSON & MUIR BANK & TRUST COMPANY — 2006
What WILSON & MUIR BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 276,058,000 | 278,992,000 | 290,187,000 | 301,289,000 |
| Total loans | 194,705,000 | 200,290,000 | 206,619,000 | 211,040,000 |
| Allowance for loan losses | 1,784,000 | 1,825,000 | 1,919,000 | 1,945,000 |
| Securities available for sale | 59,484,000 | 55,868,000 | 54,309,000 | 60,159,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,963,000 | 222,960,000 | 226,146,000 | 242,240,000 |
| Interest-bearing deposits | 155,507,000 | 157,164,000 | 163,548,000 | 170,468,000 |
| Noninterest-bearing deposits | 65,456,000 | 65,796,000 | 62,598,000 | 71,772,000 |
| Equity capital | 32,885,000 | 31,837,000 | 32,560,000 | 34,448,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,445,000 | 9,156,000 | 14,280,000 | 19,440,000 |
| Interest expense | 876,000 | 1,929,000 | 3,213,000 | 4,628,000 |
| Net interest income | 3,569,000 | 7,227,000 | 11,067,000 | 14,812,000 |
| Noninterest income | 601,000 | 1,294,000 | 1,975,000 | 2,609,000 |
| Noninterest expense | 2,532,000 | 4,912,000 | 7,428,000 | 9,953,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 1,563,000 | 3,459,000 | 5,389,000 | 7,168,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,563,000 | 3,459,000 | 5,389,000 | 7,168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,456,000 | 32,767,000 | 32,793,000 | 34,600,000 |
| Total capital | 35,240,000 | 34,592,000 | 34,712,000 | 36,545,000 |
| Risk-weighted assets | 208,701,000 | 217,075,000 | 229,945,000 | 235,607,000 |
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