Call reports 2016
WILSON & MUIR BANK & TRUST COMPANY — 2016
What WILSON & MUIR BANK & TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 464,166,000 | 467,700,000 | 453,865,000 | 486,955,000 |
| Total loans | 258,356,000 | 256,321,000 | 261,641,000 | 268,152,000 |
| Allowance for loan losses | 3,008,000 | 3,005,000 | 2,961,000 | 2,947,000 |
| Securities available for sale | 132,111,000 | 134,478,000 | 129,776,000 | 137,334,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 403,942,000 | 409,764,000 | 398,758,000 | 427,780,000 |
| Interest-bearing deposits | 369,564,000 | 372,911,000 | 361,977,000 | 389,943,000 |
| Noninterest-bearing deposits | 34,378,000 | 36,853,000 | 36,781,000 | 37,837,000 |
| Equity capital | 40,054,000 | 40,919,000 | 40,818,000 | 39,747,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,245,000 | 8,479,000 | 12,767,000 | 17,104,000 |
| Interest expense | 84,000 | 165,000 | 246,000 | 328,000 |
| Net interest income | 4,161,000 | 8,314,000 | 12,521,000 | 16,776,000 |
| Noninterest income | 665,000 | 1,539,000 | 2,549,000 | 3,433,000 |
| Noninterest expense | 3,005,000 | 6,010,000 | 9,121,000 | 12,254,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,821,000 | 3,843,000 | 5,949,000 | 7,955,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,821,000 | 3,843,000 | 5,949,000 | 7,955,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,926,000 | 37,514,000 | 37,923,000 | 39,930,000 |
| Total capital | 40,934,000 | 40,519,000 | 40,884,000 | 42,877,000 |
| Risk-weighted assets | 277,562,000 | 279,923,000 | 284,987,000 | 295,151,000 |