Call reports 2004
WOOD COUNTY NATIONAL BANK — 2004
What WOOD COUNTY NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 67,036,000 | 64,490,000 | 62,582,000 | 60,045,000 |
| Total loans | 27,425,000 | 28,390,000 | 26,821,000 | 26,756,000 |
| Allowance for loan losses | 622,000 | 623,000 | 562,000 | 554,000 |
| Securities available for sale | 18,957,000 | 19,446,000 | 20,068,000 | 18,866,000 |
| Securities held to maturity | 3,476,000 | 3,474,000 | 3,387,000 | 3,386,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,680,000 | 57,543,000 | 55,277,000 | 53,024,000 |
| Interest-bearing deposits | 51,222,000 | 49,189,000 | 46,862,000 | 44,879,000 |
| Noninterest-bearing deposits | 8,458,000 | 8,354,000 | 8,415,000 | 8,145,000 |
| Equity capital | 7,038,000 | 6,753,000 | 6,980,000 | 6,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 844,000 | 1,670,000 | 2,473,000 | 3,239,000 |
| Interest expense | 160,000 | 307,000 | 442,000 | 573,000 |
| Net interest income | 684,000 | 1,363,000 | 2,031,000 | 2,666,000 |
| Noninterest income | 209,000 | 418,000 | 632,000 | 842,000 |
| Noninterest expense | 739,000 | 1,486,000 | 2,226,000 | 2,831,000 |
| Provision for loan losses | 115,000 | 192,000 | 226,000 | 288,000 |
| Pretax income | 39,000 | 103,000 | 211,000 | 389,000 |
| Income tax | 2,000 | 11,000 | 37,000 | 88,000 |
| Net income | 37,000 | 92,000 | 174,000 | 301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,220,000 | 5,276,000 | 5,358,000 | 5,334,000 |
| Total capital | 5,605,000 | 5,660,000 | 5,732,000 | 5,689,000 |
| Risk-weighted assets | 30,559,000 | 30,430,000 | 28,947,000 | 28,147,000 |