Call reports 2003
WHEATON BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2003
What WHEATON BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 328,397,000 | 332,924,000 | 336,357,000 | 334,078,000 |
| Total loans | 253,895,000 | 243,760,000 | 252,780,000 | 262,070,000 |
| Allowance for loan losses | 3,290,000 | 2,804,000 | 2,964,000 | 3,165,000 |
| Securities available for sale | 35,217,000 | 37,543,000 | 38,291,000 | 46,129,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 277,294,000 | 278,743,000 | 286,689,000 | 283,724,000 |
| Interest-bearing deposits | 238,108,000 | 242,201,000 | 239,864,000 | 233,257,000 |
| Noninterest-bearing deposits | 39,186,000 | 36,542,000 | 46,825,000 | 50,467,000 |
| Equity capital | 24,842,000 | 25,156,000 | 24,692,000 | 25,140,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,394,000 | 8,673,000 | 12,957,000 | 17,267,000 |
| Interest expense | 1,708,000 | 3,374,000 | 4,865,000 | 6,244,000 |
| Net interest income | 2,686,000 | 5,299,000 | 8,092,000 | 11,023,000 |
| Noninterest income | 635,000 | 2,673,000 | 3,997,000 | 4,343,000 |
| Noninterest expense | 1,963,000 | 5,452,000 | 8,206,000 | 10,187,000 |
| Provision for loan losses | 216,000 | 516,000 | 816,000 | 1,026,000 |
| Pretax income | 1,142,000 | 1,993,000 | 3,056,000 | 4,142,000 |
| Income tax | 328,000 | 620,000 | 975,000 | 1,334,000 |
| Net income | 814,000 | 1,373,000 | 2,081,000 | 2,808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,214,000 | 23,975,000 | 24,707,000 | 25,184,000 |
| Total capital | 27,387,000 | 26,779,000 | 27,671,000 | 28,349,000 |
| Risk-weighted assets | 253,707,000 | 246,578,000 | 254,061,000 | 263,708,000 |