Call reports 2008
WOOD COUNTY NATIONAL BANK — 2008
What WOOD COUNTY NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 67,186,000 | 67,152,000 | 67,870,000 | 67,754,000 |
| Total loans | 34,357,000 | 35,840,000 | 37,009,000 | 36,231,000 |
| Allowance for loan losses | 283,000 | 292,000 | 289,000 | 319,000 |
| Securities available for sale | 13,480,000 | 11,726,000 | 11,245,000 | 9,869,000 |
| Securities held to maturity | 3,726,000 | 3,721,000 | 3,552,000 | 3,548,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,828,000 | 58,959,000 | 59,498,000 | 59,440,000 |
| Interest-bearing deposits | 48,104,000 | 47,798,000 | 48,310,000 | 48,930,000 |
| Noninterest-bearing deposits | 10,724,000 | 11,161,000 | 11,188,000 | 10,510,000 |
| Equity capital | 7,938,000 | 7,773,000 | 7,924,000 | 7,926,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 985,000 | 1,930,000 | 2,843,000 | 3,723,000 |
| Interest expense | 359,000 | 702,000 | 1,019,000 | 1,320,000 |
| Net interest income | 626,000 | 1,228,000 | 1,824,000 | 2,403,000 |
| Noninterest income | 289,000 | 579,000 | 893,000 | 1,202,000 |
| Noninterest expense | 746,000 | 1,515,000 | 2,201,000 | 2,945,000 |
| Provision for loan losses | 42,000 | 72,000 | 110,000 | 170,000 |
| Pretax income | 127,000 | 220,000 | 406,000 | 490,000 |
| Income tax | 24,000 | 43,000 | 94,000 | 110,000 |
| Net income | 103,000 | 177,000 | 312,000 | 380,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,183,000 | 6,183,000 | 6,318,000 | 6,235,000 |
| Total capital | 6,466,000 | 6,475,000 | 6,607,000 | 6,554,000 |
| Risk-weighted assets | 34,198,000 | 36,130,000 | 36,765,000 | 36,237,000 |