Call reports 2009
WOOD COUNTY NATIONAL BANK — 2009
What WOOD COUNTY NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 70,604,000 | 69,214,000 | 63,304,000 | 64,828,000 |
| Total loans | 37,335,000 | 36,400,000 | 36,681,000 | 37,582,000 |
| Allowance for loan losses | 285,000 | 365,000 | 432,000 | 425,000 |
| Securities available for sale | 8,809,000 | 7,773,000 | 6,476,000 | 5,692,000 |
| Securities held to maturity | 3,294,000 | 3,290,000 | 3,286,000 | 3,282,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,283,000 | 60,763,000 | 54,909,000 | 56,557,000 |
| Interest-bearing deposits | 51,185,000 | 49,914,000 | 44,584,000 | 45,221,000 |
| Noninterest-bearing deposits | 11,098,000 | 10,849,000 | 10,325,000 | 11,336,000 |
| Equity capital | 7,938,000 | 7,895,000 | 7,998,000 | 7,913,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 798,000 | 1,551,000 | 2,298,000 | 3,010,000 |
| Interest expense | 267,000 | 489,000 | 638,000 | 766,000 |
| Net interest income | 531,000 | 1,062,000 | 1,660,000 | 2,244,000 |
| Noninterest income | 321,000 | 634,000 | 949,000 | 1,242,000 |
| Noninterest expense | 756,000 | 1,486,000 | 2,215,000 | 3,000,000 |
| Provision for loan losses | 40,000 | 185,000 | 288,000 | 370,000 |
| Pretax income | 56,000 | 25,000 | 106,000 | 116,000 |
| Income tax | 8,000 | -2,000 | -4,000 | -12,000 |
| Net income | 48,000 | 27,000 | 110,000 | 128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,284,000 | 6,262,000 | 6,345,000 | 6,303,000 |
| Total capital | 6,569,000 | 6,627,000 | 6,777,000 | 6,729,000 |
| Risk-weighted assets | 36,903,000 | 36,840,000 | 35,077,000 | 36,520,000 |