Call reports 2002
WYOMING COUNTY BANK — 2002
What WYOMING COUNTY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 554,574,000 | 578,903,000 | 665,491,000 | 674,755,000 |
| Total loans | 393,262,000 | 409,394,000 | 470,411,000 | 485,857,000 |
| Allowance for loan losses | 6,652,000 | 6,810,000 | 7,868,000 | 7,719,000 |
| Securities available for sale | 109,328,000 | 128,080,000 | 144,999,000 | 142,865,000 |
| Securities held to maturity | 20,447,000 | 17,643,000 | 23,165,000 | 21,570,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 459,095,000 | 479,311,000 | 560,707,000 | 566,525,000 |
| Interest-bearing deposits | 401,713,000 | 415,457,000 | 477,252,000 | 483,698,000 |
| Noninterest-bearing deposits | 57,382,000 | 63,854,000 | 83,455,000 | 82,827,000 |
| Equity capital | 37,935,000 | 40,008,000 | 46,106,000 | 47,423,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 8,844,000 | 17,962,000 | 27,237,000 | 37,594,000 |
| Interest expense | 2,772,000 | 5,687,000 | 8,593,000 | 11,809,000 |
| Net interest income | 6,072,000 | 12,275,000 | 18,644,000 | 25,785,000 |
| Noninterest income | 1,217,000 | 2,319,000 | 3,560,000 | 4,999,000 |
| Noninterest expense | 3,394,000 | 6,935,000 | 10,268,000 | 14,476,000 |
| Provision for loan losses | 264,000 | 528,000 | 1,042,000 | 1,381,000 |
| Pretax income | 3,571,000 | 7,167,000 | 10,930,000 | 14,970,000 |
| Income tax | 1,238,000 | 2,483,000 | 3,803,000 | 5,182,000 |
| Net income | 2,333,000 | 4,684,000 | 7,127,000 | 9,788,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,626,000 | 37,934,000 | 42,935,000 | 44,175,000 |
| Total capital | 41,676,000 | 43,245,000 | 48,954,000 | 50,369,000 |
| Risk-weighted assets | 402,384,000 | 423,416,000 | 479,673,000 | 494,028,000 |