Call reports 2009
WILSON & MUIR BANK & TRUST COMPANY — 2009
What WILSON & MUIR BANK & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 339,776,000 | 346,670,000 | 359,806,000 | 395,787,000 |
| Total loans | 269,667,000 | 270,643,000 | 264,608,000 | 265,633,000 |
| Allowance for loan losses | 2,926,000 | 2,985,000 | 2,995,000 | 3,038,000 |
| Securities available for sale | 48,964,000 | 47,313,000 | 50,586,000 | 69,770,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 284,485,000 | 294,861,000 | 295,576,000 | 332,713,000 |
| Interest-bearing deposits | 261,640,000 | 269,112,000 | 271,322,000 | 305,646,000 |
| Noninterest-bearing deposits | 22,845,000 | 25,749,000 | 24,254,000 | 27,067,000 |
| Equity capital | 32,797,000 | 31,930,000 | 33,081,000 | 34,207,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,811,000 | 9,614,000 | 14,341,000 | 19,135,000 |
| Interest expense | 1,117,000 | 2,238,000 | 3,316,000 | 4,265,000 |
| Net interest income | 3,694,000 | 7,376,000 | 11,025,000 | 14,870,000 |
| Noninterest income | 817,000 | 1,653,000 | 2,446,000 | 3,181,000 |
| Noninterest expense | 2,869,000 | 5,797,000 | 8,590,000 | 11,364,000 |
| Provision for loan losses | 150,000 | 250,000 | 325,000 | 475,000 |
| Pretax income | 1,492,000 | 2,982,000 | 4,556,000 | 6,212,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,492,000 | 2,982,000 | 4,556,000 | 6,212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,543,000 | 30,707,000 | 31,508,000 | 33,189,000 |
| Total capital | 34,469,000 | 33,692,000 | 34,503,000 | 36,227,000 |
| Risk-weighted assets | 272,779,000 | 268,166,000 | 273,181,000 | 281,947,000 |