Call reports 2005
WOOD COUNTY NATIONAL BANK — 2005
What WOOD COUNTY NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 59,212,000 | 57,823,000 | 58,915,000 | 56,537,000 |
| Total loans | 26,912,000 | 27,124,000 | 27,650,000 | 27,338,000 |
| Allowance for loan losses | 486,000 | 414,000 | 392,000 | 372,000 |
| Securities available for sale | 19,560,000 | 18,094,000 | 19,033,000 | 17,883,000 |
| Securities held to maturity | 2,875,000 | 2,728,000 | 2,447,000 | 2,445,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,126,000 | 50,479,000 | 51,509,000 | 49,423,000 |
| Interest-bearing deposits | 43,491,000 | 41,757,000 | 41,972,000 | 40,184,000 |
| Noninterest-bearing deposits | 8,635,000 | 8,722,000 | 9,537,000 | 9,239,000 |
| Equity capital | 6,870,000 | 7,068,000 | 7,128,000 | 6,915,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 769,000 | 1,555,000 | 2,385,000 | 3,214,000 |
| Interest expense | 148,000 | 331,000 | 534,000 | 779,000 |
| Net interest income | 621,000 | 1,224,000 | 1,851,000 | 2,435,000 |
| Noninterest income | 270,000 | 535,000 | 788,000 | 1,034,000 |
| Noninterest expense | 699,000 | 1,395,000 | 2,132,000 | 2,776,000 |
| Provision for loan losses | -20,000 | -34,000 | -14,000 | 28,000 |
| Pretax income | 212,000 | 398,000 | 521,000 | 665,000 |
| Income tax | 62,000 | 117,000 | 150,000 | 191,000 |
| Net income | 150,000 | 281,000 | 371,000 | 474,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,484,000 | 5,615,000 | 5,515,000 | 5,572,000 |
| Total capital | 5,833,000 | 5,960,000 | 5,875,000 | 5,920,000 |
| Risk-weighted assets | 27,778,000 | 27,678,000 | 27,976,000 | 27,068,000 |