Call reports 2008
WILSON & MUIR BANK & TRUST COMPANY — 2008
What WILSON & MUIR BANK & TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 322,822,000 | 323,271,000 | 333,255,000 | 343,960,000 |
| Total loans | 239,014,000 | 245,958,000 | 257,609,000 | 271,038,000 |
| Allowance for loan losses | 2,536,000 | 2,661,000 | 2,792,000 | 2,796,000 |
| Securities available for sale | 48,691,000 | 51,007,000 | 50,902,000 | 50,240,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 272,806,000 | 277,366,000 | 275,308,000 | 285,370,000 |
| Interest-bearing deposits | 247,285,000 | 252,533,000 | 250,508,000 | 257,999,000 |
| Noninterest-bearing deposits | 25,521,000 | 24,833,000 | 24,800,000 | 27,371,000 |
| Equity capital | 33,169,000 | 31,102,000 | 31,769,000 | 33,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,178,000 | 10,078,000 | 15,087,000 | 20,149,000 |
| Interest expense | 1,548,000 | 2,902,000 | 4,187,000 | 5,333,000 |
| Net interest income | 3,630,000 | 7,176,000 | 10,900,000 | 14,816,000 |
| Noninterest income | 737,000 | 1,597,000 | 2,286,000 | 2,956,000 |
| Noninterest expense | 2,620,000 | 5,295,000 | 7,991,000 | 10,666,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,597,000 | 3,178,000 | 4,745,000 | 6,574,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,597,000 | 3,178,000 | 4,745,000 | 6,574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,208,000 | 31,048,000 | 31,078,000 | 32,932,000 |
| Total capital | 34,744,000 | 33,709,000 | 33,870,000 | 35,728,000 |
| Risk-weighted assets | 251,887,000 | 256,045,000 | 267,198,000 | 276,987,000 |
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