Call reports 2007
WHEATON BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2007
What WHEATON BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 299,316,000 | 303,770,000 | 343,213,000 | 315,381,000 |
| Total loans | 193,752,000 | 208,894,000 | 218,223,000 | 209,570,000 |
| Allowance for loan losses | 1,446,000 | 1,421,000 | 1,523,000 | 1,563,000 |
| Securities available for sale | 53,012,000 | 45,091,000 | 68,345,000 | 41,014,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 236,532,000 | 237,585,000 | 271,254,000 | 248,081,000 |
| Interest-bearing deposits | 214,916,000 | 213,878,000 | 248,061,000 | 227,571,000 |
| Noninterest-bearing deposits | 21,616,000 | 23,707,000 | 23,193,000 | 20,510,000 |
| Equity capital | 48,990,000 | 48,501,000 | 49,409,000 | 50,096,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,817,000 | 9,466,000 | 14,405,000 | 19,308,000 |
| Interest expense | 2,701,000 | 5,296,000 | 8,118,000 | 10,953,000 |
| Net interest income | 2,116,000 | 4,170,000 | 6,287,000 | 8,355,000 |
| Noninterest income | 54,000 | 112,000 | 177,000 | 285,000 |
| Noninterest expense | 1,673,000 | 3,496,000 | 5,079,000 | 7,043,000 |
| Provision for loan losses | 193,000 | 258,000 | 396,000 | 396,000 |
| Pretax income | 304,000 | 528,000 | 989,000 | 1,201,000 |
| Income tax | 94,000 | 152,000 | 310,000 | 380,000 |
| Net income | 210,000 | 376,000 | 679,000 | 821,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,720,000 | 24,009,000 | 23,767,000 | 24,674,000 |
| Total capital | 25,165,000 | 25,447,000 | 25,307,000 | 26,243,000 |
| Risk-weighted assets | 233,920,000 | 244,685,000 | 251,306,000 | 237,209,000 |