Call reports 2005
WHEATON BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2005
What WHEATON BANK & TRUST COMPANY, NATIONAL ASSOCIATION 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 | 120,112,000 | 137,388,000 | 157,596,000 | 156,898,000 |
| Total loans | 50,035,000 | 62,620,000 | 75,025,000 | 76,782,000 |
| Allowance for loan losses | 306,000 | 350,000 | 486,000 | 538,000 |
| Securities available for sale | 44,304,000 | 29,906,000 | 57,030,000 | 52,288,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,806,000 | 102,490,000 | 114,928,000 | 115,057,000 |
| Interest-bearing deposits | 63,213,000 | 94,702,000 | 101,603,000 | 102,808,000 |
| Noninterest-bearing deposits | 8,593,000 | 7,788,000 | 13,325,000 | 12,249,000 |
| Equity capital | 16,374,000 | 17,739,000 | 19,057,000 | 18,737,000 |
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 | 1,249,000 | 2,650,000 | 4,347,000 | 6,409,000 |
| Interest expense | 594,000 | 1,379,000 | 2,392,000 | 3,615,000 |
| Net interest income | 655,000 | 1,271,000 | 1,955,000 | 2,794,000 |
| Noninterest income | 121,000 | 219,000 | 423,000 | 522,000 |
| Noninterest expense | 785,000 | 1,776,000 | 2,735,000 | 3,825,000 |
| Provision for loan losses | 40,000 | 80,000 | 235,000 | 295,000 |
| Pretax income | -49,000 | -322,000 | -548,000 | -757,000 |
| Income tax | -35,000 | -164,000 | -263,000 | -343,000 |
| Net income | -14,000 | -158,000 | -285,000 | -414,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,357,000 | 7,515,000 | 8,907,000 | 9,048,000 |
| Total capital | 6,663,000 | 7,865,000 | 9,393,000 | 9,588,000 |
| Risk-weighted assets | 58,148,000 | 73,278,000 | 87,251,000 | 90,181,000 |