Call reports 2011
WOOD COUNTY NATIONAL BANK — 2011
What WOOD COUNTY NATIONAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 65,770,000 | 65,589,000 | 66,885,000 | 64,195,000 |
| Total loans | 38,891,000 | 40,518,000 | 42,203,000 | 39,914,000 |
| Allowance for loan losses | 476,000 | 502,000 | 605,000 | 725,000 |
| Securities available for sale | 4,683,000 | 6,753,000 | 7,740,000 | 7,412,000 |
| Securities held to maturity | 2,535,000 | 2,532,000 | 2,194,000 | 2,192,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,324,000 | 56,973,000 | 58,191,000 | 55,945,000 |
| Interest-bearing deposits | 46,532,000 | 45,956,000 | 46,219,000 | 45,857,000 |
| Noninterest-bearing deposits | 10,792,000 | 11,017,000 | 11,972,000 | 10,088,000 |
| Equity capital | 8,072,000 | 8,149,000 | 8,209,000 | 8,012,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 689,000 | 1,419,000 | 2,259,000 | 2,970,000 |
| Interest expense | 104,000 | 208,000 | 310,000 | 404,000 |
| Net interest income | 585,000 | 1,211,000 | 1,949,000 | 2,566,000 |
| Noninterest income | 261,000 | 529,000 | 823,000 | 1,124,000 |
| Noninterest expense | 758,000 | 1,502,000 | 2,258,000 | 3,187,000 |
| Provision for loan losses | 35,000 | 90,000 | 289,000 | 462,000 |
| Pretax income | 53,000 | 148,000 | 225,000 | 41,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 53,000 | 148,000 | 225,000 | 41,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,489,000 | 6,470,000 | 6,547,000 | 6,363,000 |
| Total capital | 6,965,000 | 6,964,000 | 7,056,000 | 6,844,000 |
| Risk-weighted assets | 37,974,000 | 38,720,000 | 40,617,000 | 38,246,000 |