Call reports 2023
WHEATON BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2023
What WHEATON BANK & TRUST COMPANY, NATIONAL ASSOCIATION reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 3,030,458,000 | 3,099,426,000 | 3,118,850,000 | 3,217,211,000 |
| Total loans | 2,097,009,000 | 2,223,854,000 | 2,208,591,000 | 2,314,685,000 |
| Allowance for loan losses | 16,144,000 | 18,138,000 | 18,694,000 | 19,642,000 |
| Securities available for sale | 291,417,000 | 283,250,000 | 267,080,000 | 270,393,000 |
| Securities held to maturity | 357,234,000 | 353,116,000 | 349,707,000 | 344,409,000 |
| Trading assets | 10,469,000 | 13,060,000 | 14,543,000 | 10,289,000 |
| Total deposits | 2,578,040,000 | 2,586,988,000 | 2,630,211,000 | 2,722,741,000 |
| Interest-bearing deposits | 1,768,994,000 | 1,879,030,000 | 1,925,527,000 | 2,002,324,000 |
| Noninterest-bearing deposits | 809,046,000 | 707,958,000 | 704,684,000 | 720,417,000 |
| Equity capital | 298,727,000 | 304,095,000 | 303,575,000 | 314,959,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 33,289,000 | 70,999,000 | 111,381,000 | 155,080,000 |
| Interest expense | 9,550,000 | 24,365,000 | 41,683,000 | 60,123,000 |
| Net interest income | 23,739,000 | 46,634,000 | 69,698,000 | 94,957,000 |
| Noninterest income | 3,369,000 | 6,184,000 | 8,559,000 | 10,983,000 |
| Noninterest expense | 9,803,000 | 19,563,000 | 28,392,000 | 40,740,000 |
| Provision for loan losses | -52,000 | 2,333,000 | 3,033,000 | 4,645,000 |
| Pretax income | 16,471,000 | 30,152,000 | 45,993,000 | 59,557,000 |
| Income tax | 4,371,000 | 8,042,000 | 12,266,000 | 15,764,000 |
| Net income | 12,100,000 | 22,110,000 | 33,727,000 | 43,793,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 280,872,000 | 291,059,000 | 302,600,000 | 296,134,000 |
| Total capital | 298,615,000 | 310,656,000 | 322,802,000 | 317,491,000 |
| Risk-weighted assets | 2,512,232,000 | 2,641,066,000 | 2,645,819,000 | 2,750,180,000 |