Call reports 2020
WILSON & MUIR BANK & TRUST COMPANY — 2020
What WILSON & MUIR BANK & TRUST COMPANY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 551,427,000 | 593,982,000 | 599,254,000 | 642,509,000 |
| Total loans | 305,933,000 | 331,667,000 | 330,878,000 | 318,835,000 |
| Allowance for loan losses | 3,737,000 | 4,070,000 | 4,392,000 | 4,683,000 |
| Securities available for sale | 173,193,000 | 167,588,000 | 186,073,000 | 204,479,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 479,004,000 | 512,603,000 | 522,673,000 | 559,874,000 |
| Interest-bearing deposits | 437,052,000 | 461,345,000 | 467,674,000 | 503,769,000 |
| Noninterest-bearing deposits | 41,952,000 | 51,258,000 | 54,999,000 | 56,105,000 |
| Equity capital | 49,588,000 | 50,261,000 | 51,011,000 | 53,835,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,499,000 | 10,870,000 | 16,109,000 | 21,615,000 |
| Interest expense | 229,000 | 407,000 | 585,000 | 741,000 |
| Net interest income | 5,270,000 | 10,463,000 | 15,524,000 | 20,874,000 |
| Noninterest income | 949,000 | 2,290,000 | 3,853,000 | 5,361,000 |
| Noninterest expense | 3,484,000 | 6,990,000 | 10,535,000 | 13,930,000 |
| Provision for loan losses | 600,000 | 1,200,000 | 1,800,000 | 2,400,000 |
| Pretax income | 2,135,000 | 4,692,000 | 7,171,000 | 10,034,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,135,000 | 4,692,000 | 7,171,000 | 10,034,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,575,000 | 44,421,000 | 45,138,000 | 48,001,000 |
| Total capital | 48,312,000 | 48,491,000 | 49,319,000 | 52,302,000 |
| Risk-weighted assets | 342,788,000 | 338,009,000 | 334,284,000 | 343,678,000 |