Call reports 2002
WOOD COUNTY NATIONAL BANK — 2002
What WOOD COUNTY NATIONAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 65,398,000 | 65,842,000 | 62,837,000 | 63,684,000 |
| Total loans | 37,537,000 | 36,445,000 | 35,740,000 | 34,098,000 |
| Allowance for loan losses | 441,000 | 566,000 | 556,000 | 668,000 |
| Securities available for sale | 4,100,000 | 7,631,000 | 7,641,000 | 10,667,000 |
| Securities held to maturity | 3,703,000 | 3,700,000 | 3,678,000 | 3,675,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,603,000 | 58,883,000 | 55,723,000 | 56,777,000 |
| Interest-bearing deposits | 51,340,000 | 51,000,000 | 48,871,000 | 49,280,000 |
| Noninterest-bearing deposits | 7,263,000 | 7,883,000 | 6,852,000 | 7,497,000 |
| Equity capital | 6,505,000 | 6,654,000 | 6,752,000 | 6,737,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,174,000 | 2,377,000 | 3,504,000 | 4,601,000 |
| Interest expense | 427,000 | 814,000 | 1,164,000 | 1,475,000 |
| Net interest income | 747,000 | 1,563,000 | 2,340,000 | 3,126,000 |
| Noninterest income | 211,000 | 418,000 | 649,000 | 823,000 |
| Noninterest expense | 623,000 | 1,277,000 | 2,022,000 | 2,684,000 |
| Provision for loan losses | 177,000 | 485,000 | 760,000 | 1,052,000 |
| Pretax income | 158,000 | 219,000 | 207,000 | 213,000 |
| Income tax | 42,000 | 54,000 | 27,000 | 47,000 |
| Net income | 116,000 | 165,000 | 180,000 | 166,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,908,000 | 4,957,000 | 4,972,000 | 4,957,000 |
| Total capital | 5,349,000 | 5,436,000 | 5,442,000 | 5,407,000 |
| Risk-weighted assets | 40,730,000 | 38,260,000 | 37,479,000 | 35,782,000 |