Call reports 2007
WOOD COUNTY NATIONAL BANK — 2007
What WOOD COUNTY NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 61,085,000 | 60,655,000 | 61,785,000 | 64,323,000 |
| Total loans | 29,363,000 | 31,287,000 | 33,750,000 | 34,635,000 |
| Allowance for loan losses | 290,000 | 296,000 | 285,000 | 277,000 |
| Securities available for sale | 14,029,000 | 13,738,000 | 13,599,000 | 14,785,000 |
| Securities held to maturity | 2,940,000 | 4,043,000 | 3,838,000 | 3,980,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,406,000 | 52,945,000 | 53,795,000 | 56,325,000 |
| Interest-bearing deposits | 43,380,000 | 42,662,000 | 43,813,000 | 46,303,000 |
| Noninterest-bearing deposits | 10,026,000 | 10,283,000 | 9,982,000 | 10,022,000 |
| Equity capital | 7,412,000 | 7,452,000 | 7,686,000 | 7,673,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 915,000 | 1,846,000 | 2,803,000 | 3,815,000 |
| Interest expense | 286,000 | 587,000 | 910,000 | 1,266,000 |
| Net interest income | 629,000 | 1,259,000 | 1,893,000 | 2,549,000 |
| Noninterest income | 281,000 | 572,000 | 851,000 | 1,151,000 |
| Noninterest expense | 674,000 | 1,353,000 | 2,058,000 | 2,856,000 |
| Provision for loan losses | 27,000 | 60,000 | 68,000 | 88,000 |
| Pretax income | 209,000 | 418,000 | 614,000 | 752,000 |
| Income tax | 65,000 | 115,000 | 166,000 | 200,000 |
| Net income | 144,000 | 303,000 | 448,000 | 552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,947,000 | 6,032,000 | 6,182,000 | 6,080,000 |
| Total capital | 6,237,000 | 6,328,000 | 6,467,000 | 6,357,000 |
| Risk-weighted assets | 29,561,000 | 30,509,000 | 32,457,000 | 33,208,000 |