Call reports 2001
WOOD COUNTY NATIONAL BANK — 2001
What WOOD COUNTY NATIONAL BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 59,910,000 | 59,101,000 | 60,420,000 | 62,493,000 |
| Total loans | 34,156,000 | 35,427,000 | 36,946,000 | 37,647,000 |
| Allowance for loan losses | 218,000 | 247,000 | 322,000 | 423,000 |
| Securities available for sale | 6,570,000 | 5,157,000 | 5,018,000 | 4,323,000 |
| Securities held to maturity | 3,920,000 | 3,852,000 | 3,834,000 | 3,831,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,934,000 | 51,563,000 | 52,668,000 | 55,744,000 |
| Interest-bearing deposits | 44,809,000 | 44,031,000 | 45,185,000 | 48,231,000 |
| Noninterest-bearing deposits | 7,125,000 | 7,532,000 | 7,483,000 | 7,513,000 |
| Equity capital | 6,324,000 | 6,442,000 | 6,568,000 | 6,415,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,197,000 | 2,409,000 | 3,635,000 | 4,867,000 |
| Interest expense | 548,000 | 1,093,000 | 1,606,000 | 2,099,000 |
| Net interest income | 649,000 | 1,316,000 | 2,029,000 | 2,768,000 |
| Noninterest income | 200,000 | 401,000 | 619,000 | 827,000 |
| Noninterest expense | 594,000 | 1,181,000 | 1,828,000 | 2,718,000 |
| Provision for loan losses | 64,000 | 159,000 | 355,000 | 605,000 |
| Pretax income | 194,000 | 380,000 | 468,000 | 275,000 |
| Income tax | 65,000 | 124,000 | 150,000 | 86,000 |
| Net income | 129,000 | 256,000 | 318,000 | 189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,635,000 | 4,796,000 | 4,889,000 | 4,794,000 |
| Total capital | 4,925,000 | 5,043,000 | 5,211,000 | 5,217,000 |
| Risk-weighted assets | 35,561,000 | 37,030,000 | 38,868,000 | 39,907,000 |