Call reports 2012
WILSON & MUIR BANK & TRUST COMPANY — 2012
What WILSON & MUIR BANK & TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 414,799,000 | 426,719,000 | 424,405,000 | 443,755,000 |
| Total loans | 259,947,000 | 250,377,000 | 250,861,000 | 251,965,000 |
| Allowance for loan losses | 3,765,000 | 3,213,000 | 3,461,000 | 3,685,000 |
| Securities available for sale | 94,451,000 | 100,353,000 | 101,827,000 | 115,625,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 365,076,000 | 374,975,000 | 375,741,000 | 384,350,000 |
| Interest-bearing deposits | 336,398,000 | 345,202,000 | 345,132,000 | 354,225,000 |
| Noninterest-bearing deposits | 28,678,000 | 29,773,000 | 30,609,000 | 30,125,000 |
| Equity capital | 36,596,000 | 35,663,000 | 36,797,000 | 38,102,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,309,000 | 8,550,000 | 12,761,000 | 17,060,000 |
| Interest expense | 391,000 | 751,000 | 1,084,000 | 1,370,000 |
| Net interest income | 3,918,000 | 7,799,000 | 11,677,000 | 15,690,000 |
| Noninterest income | 774,000 | 1,667,000 | 2,525,000 | 3,496,000 |
| Noninterest expense | 2,956,000 | 5,845,000 | 8,802,000 | 11,711,000 |
| Provision for loan losses | 375,000 | 750,000 | 1,125,000 | 1,500,000 |
| Pretax income | 1,361,000 | 2,871,000 | 4,275,000 | 5,975,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,361,000 | 2,871,000 | 4,275,000 | 5,975,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,086,000 | 32,920,000 | 33,801,000 | 35,501,000 |
| Total capital | 37,629,000 | 36,133,000 | 37,262,000 | 39,007,000 |
| Risk-weighted assets | 283,190,000 | 277,017,000 | 279,055,000 | 280,302,000 |