Call reports 2015
WILSON & MUIR BANK & TRUST COMPANY — 2015
What WILSON & MUIR BANK & TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 438,704,000 | 440,792,000 | 451,268,000 | 473,455,000 |
| Total loans | 249,666,000 | 252,181,000 | 244,047,000 | 254,041,000 |
| Allowance for loan losses | 3,678,000 | 3,644,000 | 3,514,000 | 3,001,000 |
| Securities available for sale | 123,678,000 | 125,168,000 | 129,326,000 | 134,602,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 383,806,000 | 388,626,000 | 387,066,000 | 407,554,000 |
| Interest-bearing deposits | 352,016,000 | 353,510,000 | 354,182,000 | 372,002,000 |
| Noninterest-bearing deposits | 31,790,000 | 35,116,000 | 32,884,000 | 35,552,000 |
| Equity capital | 37,541,000 | 36,811,000 | 37,728,000 | 37,938,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,981,000 | 8,017,000 | 12,119,000 | 16,188,000 |
| Interest expense | 92,000 | 178,000 | 260,000 | 345,000 |
| Net interest income | 3,889,000 | 7,839,000 | 11,859,000 | 15,843,000 |
| Noninterest income | 702,000 | 1,487,000 | 2,327,000 | 3,016,000 |
| Noninterest expense | 2,986,000 | 5,959,000 | 9,022,000 | 12,001,000 |
| Provision for loan losses | 0 | 0 | 0 | 184,000 |
| Pretax income | 1,605,000 | 3,367,000 | 5,164,000 | 6,774,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,605,000 | 3,367,000 | 5,164,000 | 6,774,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,915,000 | 36,072,000 | 36,115,000 | 37,725,000 |
| Total capital | 39,281,000 | 39,480,000 | 39,415,000 | 40,726,000 |
| Risk-weighted assets | 269,031,000 | 272,396,000 | 263,761,000 | 275,394,000 |