Call reports 2003
BANK OF WYOMING — 2003
What BANK OF WYOMING reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 39,173,000 | 40,783,000 | 42,954,000 | 46,734,000 |
| Total loans | 25,213,000 | 27,713,000 | 30,365,000 | 32,649,000 |
| Allowance for loan losses | 375,000 | 401,000 | 406,000 | 419,000 |
| Securities available for sale | 7,521,000 | 4,413,000 | 6,970,000 | 11,263,000 |
| Securities held to maturity | 0 | 604,000 | 604,000 | 604,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,151,000 | 35,572,000 | 37,492,000 | 40,350,000 |
| Interest-bearing deposits | 28,658,000 | 29,518,000 | 29,475,000 | 32,323,000 |
| Noninterest-bearing deposits | 5,493,000 | 6,054,000 | 8,017,000 | 8,027,000 |
| Equity capital | 2,908,000 | 3,091,000 | 3,342,000 | 3,750,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 560,000 | 1,158,000 | 1,765,000 | 2,462,000 |
| Interest expense | 180,000 | 363,000 | 530,000 | 698,000 |
| Net interest income | 380,000 | 795,000 | 1,235,000 | 1,764,000 |
| Noninterest income | 40,000 | 73,000 | 160,000 | 206,000 |
| Noninterest expense | 271,000 | 536,000 | 873,000 | 1,223,000 |
| Provision for loan losses | 15,000 | 50,000 | 88,000 | 103,000 |
| Pretax income | 158,000 | 308,000 | 460,000 | 669,000 |
| Income tax | 0 | 4,000 | 7,000 | 9,000 |
| Net income | 158,000 | 304,000 | 453,000 | 660,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,913,000 | 3,119,000 | 3,268,000 | 3,680,000 |
| Total capital | 3,262,000 | 3,497,000 | 3,658,000 | 4,089,000 |
| Risk-weighted assets | 27,882,000 | 30,248,000 | 31,213,000 | 32,729,000 |