Call reports 2004
WHEATON BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2004
What WHEATON BANK & TRUST COMPANY, NATIONAL ASSOCIATION 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 | 330,350,000 | 337,910,000 | 372,844,000 | 125,036,000 |
| Total loans | 268,296,000 | 259,403,000 | 250,026,000 | 46,632,000 |
| Allowance for loan losses | 3,380,000 | 3,595,000 | 2,534,000 | 336,000 |
| Securities available for sale | 34,701,000 | 31,340,000 | 33,599,000 | 46,061,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,576,000 | 291,203,000 | 294,685,000 | 64,601,000 |
| Interest-bearing deposits | 235,145,000 | 239,119,000 | 244,066,000 | 55,753,000 |
| Noninterest-bearing deposits | 48,431,000 | 52,084,000 | 50,619,000 | 8,848,000 |
| Equity capital | 25,814,000 | 26,102,000 | 56,848,000 | 17,310,000 |
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 | 4,225,000 | 8,360,000 | 12,470,000 | 16,156,000 |
| Interest expense | 1,306,000 | 2,603,000 | 3,929,000 | 5,059,000 |
| Net interest income | 2,919,000 | 5,757,000 | 8,541,000 | 11,097,000 |
| Noninterest income | 221,000 | 577,000 | 855,000 | 1,273,000 |
| Noninterest expense | 2,122,000 | 4,176,000 | 7,834,000 | 9,815,000 |
| Provision for loan losses | 267,000 | 500,000 | 1,288,000 | 1,311,000 |
| Pretax income | 760,000 | 1,667,000 | 283,000 | 1,260,000 |
| Income tax | 237,000 | 525,000 | 285,000 | 642,000 |
| Net income | 523,000 | 1,142,000 | -2,000 | 618,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,707,000 | 26,326,000 | 23,967,000 | 6,338,000 |
| Total capital | 29,046,000 | 29,621,000 | 26,501,000 | 6,674,000 |
| Risk-weighted assets | 267,077,000 | 263,307,000 | 256,085,000 | 56,094,000 |