Call reports 2003
WOOD COUNTY NATIONAL BANK — 2003
What WOOD COUNTY NATIONAL BANK 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 | 64,980,000 | 64,719,000 | 66,163,000 | 65,306,000 |
| Total loans | 32,443,000 | 31,250,000 | 30,692,000 | 28,185,000 |
| Allowance for loan losses | 583,000 | 606,000 | 692,000 | 627,000 |
| Securities available for sale | 10,560,000 | 12,761,000 | 17,005,000 | 16,346,000 |
| Securities held to maturity | 3,613,000 | 3,611,000 | 3,579,000 | 3,577,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,914,000 | 57,429,000 | 59,013,000 | 58,172,000 |
| Interest-bearing deposits | 49,903,000 | 49,950,000 | 50,477,000 | 50,225,000 |
| Noninterest-bearing deposits | 8,011,000 | 7,479,000 | 8,536,000 | 7,947,000 |
| Equity capital | 6,835,000 | 7,023,000 | 6,901,000 | 6,891,000 |
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 | 1,016,000 | 2,014,000 | 2,973,000 | 3,875,000 |
| Interest expense | 270,000 | 504,000 | 716,000 | 895,000 |
| Net interest income | 746,000 | 1,510,000 | 2,257,000 | 2,980,000 |
| Noninterest income | 243,000 | 489,000 | 705,000 | 932,000 |
| Noninterest expense | 665,000 | 1,411,000 | 2,095,000 | 2,743,000 |
| Provision for loan losses | 201,000 | 353,000 | 601,000 | 679,000 |
| Pretax income | 123,000 | 235,000 | 266,000 | 490,000 |
| Income tax | 25,000 | 54,000 | 49,000 | 114,000 |
| Net income | 98,000 | 181,000 | 217,000 | 376,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,055,000 | 5,139,000 | 5,175,000 | 5,184,000 |
| Total capital | 5,495,000 | 5,560,000 | 5,591,000 | 5,575,000 |
| Risk-weighted assets | 35,056,000 | 33,458,000 | 33,011,000 | 31,043,000 |