Call reports 2004
BANK OF WRIGHTSVILLE — 2004
What BANK OF WRIGHTSVILLE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 67,752,000 | 68,142,000 | 66,412,000 | 70,194,000 |
| Total loans | 48,233,000 | 46,203,000 | 48,272,000 | 47,798,000 |
| Allowance for loan losses | 948,000 | 935,000 | 965,000 | 956,000 |
| Securities available for sale | 4,420,000 | 5,548,000 | 5,445,000 | 5,224,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,104,000 | 59,594,000 | 57,670,000 | 61,251,000 |
| Interest-bearing deposits | 51,003,000 | 51,127,000 | 50,041,000 | 53,038,000 |
| Noninterest-bearing deposits | 8,101,000 | 8,467,000 | 7,629,000 | 8,213,000 |
| Equity capital | 7,361,000 | 7,189,000 | 7,319,000 | 7,533,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 946,000 | 1,890,000 | 2,837,000 | 3,759,000 |
| Interest expense | 286,000 | 568,000 | 848,000 | 1,139,000 |
| Net interest income | 660,000 | 1,322,000 | 1,989,000 | 2,620,000 |
| Noninterest income | 138,000 | 244,000 | 351,000 | 501,000 |
| Noninterest expense | 421,000 | 885,000 | 1,338,000 | 1,840,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 347,000 | 631,000 | 912,000 | 1,161,000 |
| Income tax | 0 | 3,000 | 9,000 | 13,000 |
| Net income | 347,000 | 628,000 | 903,000 | 1,148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,245,000 | 7,161,000 | 7,262,000 | 7,507,000 |
| Total capital | 7,933,000 | 7,845,000 | 7,963,000 | 8,222,000 |
| Risk-weighted assets | 54,775,000 | 54,468,000 | 55,849,000 | 56,972,000 |
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