Call reports 2007
WILSON & MUIR BANK & TRUST COMPANY — 2007
What WILSON & MUIR BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 297,472,000 | 308,552,000 | 304,327,000 | 322,036,000 |
| Total loans | 216,578,000 | 218,340,000 | 221,184,000 | 225,184,000 |
| Allowance for loan losses | 2,003,000 | 2,150,000 | 2,253,000 | 2,390,000 |
| Securities available for sale | 51,985,000 | 50,611,000 | 58,456,000 | 66,221,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,827,000 | 253,547,000 | 258,833,000 | 267,045,000 |
| Interest-bearing deposits | 222,038,000 | 229,663,000 | 235,709,000 | 244,176,000 |
| Noninterest-bearing deposits | 23,789,000 | 23,884,000 | 23,124,000 | 22,869,000 |
| Equity capital | 33,567,000 | 32,497,000 | 31,953,000 | 33,929,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,113,000 | 10,505,000 | 16,079,000 | 21,657,000 |
| Interest expense | 1,460,000 | 3,029,000 | 4,699,000 | 6,415,000 |
| Net interest income | 3,653,000 | 7,476,000 | 11,380,000 | 15,242,000 |
| Noninterest income | 595,000 | 1,276,000 | 2,021,000 | 2,750,000 |
| Noninterest expense | 2,597,000 | 5,129,000 | 7,810,000 | 10,469,000 |
| Provision for loan losses | 125,000 | 275,000 | 425,000 | 575,000 |
| Pretax income | 1,526,000 | 3,348,000 | 5,166,000 | 6,948,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,526,000 | 3,348,000 | 5,166,000 | 6,948,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,562,000 | 32,822,000 | 31,699,000 | 33,506,000 |
| Total capital | 35,565,000 | 34,972,000 | 33,952,000 | 35,896,000 |
| Risk-weighted assets | 237,409,000 | 239,676,000 | 240,100,000 | 246,463,000 |
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