Call reports 2008
WHEATON BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2008
What WHEATON BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 311,575,000 | 342,113,000 | 369,825,000 | 393,815,000 |
| Total loans | 201,663,000 | 231,830,000 | 256,160,000 | 270,366,000 |
| Allowance for loan losses | 1,483,000 | 2,152,000 | 2,307,000 | 2,646,000 |
| Securities available for sale | 33,834,000 | 46,712,000 | 57,479,000 | 38,622,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,678,000 | 275,494,000 | 298,857,000 | 320,755,000 |
| Interest-bearing deposits | 209,815,000 | 248,510,000 | 263,207,000 | 278,798,000 |
| Noninterest-bearing deposits | 24,863,000 | 26,984,000 | 35,650,000 | 41,957,000 |
| Equity capital | 49,957,000 | 49,230,000 | 49,250,000 | 49,883,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,309,000 | 8,086,000 | 12,060,000 | 16,288,000 |
| Interest expense | 2,325,000 | 4,359,000 | 6,535,000 | 8,690,000 |
| Net interest income | 1,984,000 | 3,727,000 | 5,525,000 | 7,598,000 |
| Noninterest income | 318,000 | 891,000 | 1,228,000 | 1,883,000 |
| Noninterest expense | 1,540,000 | 3,203,000 | 4,854,000 | 6,495,000 |
| Provision for loan losses | 188,000 | 902,000 | 2,377,000 | 3,001,000 |
| Pretax income | 581,000 | 520,000 | -471,000 | 5,000 |
| Income tax | 217,000 | 193,000 | -186,000 | -3,000 |
| Net income | 364,000 | 327,000 | -285,000 | 8,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,274,000 | 24,501,000 | 23,975,000 | 24,313,000 |
| Total capital | 25,764,000 | 26,659,000 | 29,032,000 | 31,959,000 |
| Risk-weighted assets | 241,366,000 | 259,127,000 | 280,811,000 | 300,494,000 |