Call reports 2010
WOOD COUNTY NATIONAL BANK — 2010
What WOOD COUNTY NATIONAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 63,699,000 | 62,012,000 | 63,219,000 | 65,162,000 |
| Total loans | 35,199,000 | 35,522,000 | 39,274,000 | 39,042,000 |
| Allowance for loan losses | 391,000 | 368,000 | 446,000 | 468,000 |
| Securities available for sale | 4,662,000 | 4,675,000 | 3,759,000 | 3,189,000 |
| Securities held to maturity | 3,549,000 | 3,430,000 | 3,046,000 | 3,043,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,336,000 | 53,618,000 | 54,665,000 | 56,660,000 |
| Interest-bearing deposits | 44,047,000 | 43,159,000 | 43,481,000 | 45,281,000 |
| Noninterest-bearing deposits | 11,289,000 | 10,459,000 | 11,184,000 | 11,379,000 |
| Equity capital | 8,000,000 | 7,981,000 | 8,012,000 | 8,021,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 679,000 | 1,349,000 | 2,035,000 | 2,744,000 |
| Interest expense | 118,000 | 227,000 | 329,000 | 430,000 |
| Net interest income | 561,000 | 1,122,000 | 1,706,000 | 2,314,000 |
| Noninterest income | 296,000 | 621,000 | 999,000 | 1,323,000 |
| Noninterest expense | 762,000 | 1,523,000 | 2,298,000 | 3,061,000 |
| Provision for loan losses | -15,000 | -20,000 | 69,000 | 129,000 |
| Pretax income | 110,000 | 240,000 | 338,000 | 447,000 |
| Income tax | 7,000 | 29,000 | 51,000 | 73,000 |
| Net income | 103,000 | 211,000 | 287,000 | 374,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,406,000 | 6,394,000 | 6,411,000 | 6,436,000 |
| Total capital | 6,797,000 | 6,762,000 | 6,857,000 | 6,904,000 |
| Risk-weighted assets | 35,136,000 | 35,226,000 | 37,496,000 | 37,749,000 |