Call reports 2003
WYOMING COUNTY BANK — 2003
What WYOMING COUNTY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 710,717,000 | 707,802,000 | 717,609,000 | 754,639,000 |
| Total loans | 490,731,000 | 513,949,000 | 527,546,000 | 537,537,000 |
| Allowance for loan losses | 7,915,000 | 8,648,000 | 8,466,000 | 10,366,000 |
| Securities available for sale | 145,826,000 | 130,435,000 | 143,621,000 | 166,059,000 |
| Securities held to maturity | 21,495,000 | 18,246,000 | 18,543,000 | 20,555,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 610,299,000 | 612,500,000 | 617,767,000 | 668,768,000 |
| Interest-bearing deposits | 535,103,000 | 527,410,000 | 533,725,000 | 571,930,000 |
| Noninterest-bearing deposits | 75,196,000 | 85,090,000 | 84,042,000 | 96,838,000 |
| Equity capital | 48,855,000 | 50,374,000 | 50,699,000 | 50,646,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 9,969,000 | 19,971,000 | 29,664,000 | 39,511,000 |
| Interest expense | 2,908,000 | 5,816,000 | 8,507,000 | 11,064,000 |
| Net interest income | 7,061,000 | 14,155,000 | 21,157,000 | 28,447,000 |
| Noninterest income | 1,349,000 | 2,737,000 | 4,414,000 | 5,984,000 |
| Noninterest expense | 4,267,000 | 8,356,000 | 12,563,000 | 16,917,000 |
| Provision for loan losses | 302,000 | 1,153,000 | 1,618,000 | 4,045,000 |
| Pretax income | 3,888,000 | 7,451,000 | 11,489,000 | 13,568,000 |
| Income tax | 1,330,000 | 2,529,000 | 3,917,000 | 4,526,000 |
| Net income | 2,558,000 | 4,922,000 | 7,572,000 | 9,042,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,542,000 | 46,715,000 | 48,162,000 | 48,214,000 |
| Total capital | 51,852,000 | 53,252,000 | 54,781,000 | 55,026,000 |
| Risk-weighted assets | 503,210,000 | 520,864,000 | 527,639,000 | 541,376,000 |