Call reports 2005
BANK OF WRIGHTSVILLE — 2005
What BANK OF WRIGHTSVILLE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 70,563,000 | 70,183,000 | 70,089,000 | 70,744,000 |
| Total loans | 45,581,000 | 51,159,000 | 48,579,000 | 47,338,000 |
| Allowance for loan losses | 960,000 | 997,000 | 933,000 | 929,000 |
| Securities available for sale | 5,030,000 | 4,896,000 | 4,875,000 | 5,169,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,501,000 | 60,266,000 | 60,471,000 | 60,636,000 |
| Interest-bearing deposits | 53,254,000 | 52,461,000 | 52,070,000 | 50,858,000 |
| Noninterest-bearing deposits | 8,247,000 | 7,805,000 | 8,401,000 | 9,778,000 |
| Equity capital | 7,636,000 | 7,873,000 | 8,062,000 | 8,544,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 960,000 | 1,986,000 | 3,074,000 | 4,338,000 |
| Interest expense | 301,000 | 618,000 | 957,000 | 1,321,000 |
| Net interest income | 659,000 | 1,368,000 | 2,117,000 | 3,017,000 |
| Noninterest income | 106,000 | 248,000 | 363,000 | 438,000 |
| Noninterest expense | 458,000 | 879,000 | 1,316,000 | 1,750,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 279,000 | 679,000 | 1,075,000 | 1,587,000 |
| Income tax | 0 | 6,000 | 10,000 | 12,000 |
| Net income | 279,000 | 673,000 | 1,065,000 | 1,575,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,641,000 | 7,868,000 | 8,079,000 | 8,589,000 |
| Total capital | 8,257,000 | 8,636,000 | 8,728,000 | 9,221,000 |
| Risk-weighted assets | 48,920,000 | 61,184,000 | 51,660,000 | 50,231,000 |
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