Call reports 2013
WILSON & MUIR BANK & TRUST COMPANY — 2013
What WILSON & MUIR BANK & TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 422,004,000 | 410,356,000 | 408,998,000 | 445,725,000 |
| Total loans | 241,831,000 | 249,842,000 | 245,308,000 | 244,123,000 |
| Allowance for loan losses | 4,091,000 | 4,335,000 | 4,205,000 | 4,111,000 |
| Securities available for sale | 127,428,000 | 119,970,000 | 120,361,000 | 115,657,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 368,194,000 | 362,636,000 | 359,852,000 | 383,676,000 |
| Interest-bearing deposits | 339,947,000 | 330,846,000 | 331,383,000 | 355,018,000 |
| Noninterest-bearing deposits | 28,247,000 | 31,789,000 | 28,469,000 | 28,658,000 |
| Equity capital | 36,877,000 | 33,092,000 | 32,783,000 | 33,511,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,040,000 | 8,069,000 | 12,114,000 | 16,106,000 |
| Interest expense | 249,000 | 456,000 | 635,000 | 809,000 |
| Net interest income | 3,791,000 | 7,613,000 | 11,479,000 | 15,297,000 |
| Noninterest income | 957,000 | 1,842,000 | 2,647,000 | 3,091,000 |
| Noninterest expense | 2,946,000 | 5,893,000 | 8,932,000 | 11,885,000 |
| Provision for loan losses | 375,000 | 600,000 | 600,000 | 600,000 |
| Pretax income | 1,427,000 | 2,962,000 | 4,594,000 | 5,903,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,427,000 | 2,962,000 | 4,594,000 | 5,903,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,569,000 | 33,489,000 | 33,704,000 | 35,014,000 |
| Total capital | 38,003,000 | 37,003,000 | 37,112,000 | 38,376,000 |
| Risk-weighted assets | 274,031,000 | 280,312,000 | 271,820,000 | 268,205,000 |