Call reports 2004
WYOMING COUNTY BANK — 2004
What WYOMING COUNTY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 789,855,000 | 774,392,000 | 759,564,000 | 747,228,000 |
| Total loans | 527,667,000 | 532,259,000 | 522,145,000 | 524,025,000 |
| Allowance for loan losses | 10,749,000 | 11,042,000 | 11,190,000 | 13,946,000 |
| Securities available for sale | 205,695,000 | 196,730,000 | 192,547,000 | 182,268,000 |
| Securities held to maturity | 19,858,000 | 15,774,000 | 13,851,000 | 15,190,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 702,690,000 | 681,230,000 | 673,698,000 | 664,548,000 |
| Interest-bearing deposits | 616,460,000 | 589,585,000 | 578,694,000 | 556,607,000 |
| Noninterest-bearing deposits | 86,230,000 | 91,645,000 | 95,004,000 | 107,941,000 |
| Equity capital | 52,440,000 | 49,705,000 | 53,492,000 | 52,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 9,828,000 | 19,609,000 | 29,483,000 | 39,398,000 |
| Interest expense | 2,754,000 | 5,492,000 | 7,915,000 | 10,345,000 |
| Net interest income | 7,074,000 | 14,117,000 | 21,568,000 | 29,053,000 |
| Noninterest income | 1,386,000 | 3,214,000 | 4,809,000 | 6,263,000 |
| Noninterest expense | 4,615,000 | 9,084,000 | 13,835,000 | 18,919,000 |
| Provision for loan losses | 928,000 | 1,356,000 | 1,784,000 | 5,111,000 |
| Pretax income | 2,925,000 | 6,903,000 | 10,770,000 | 11,319,000 |
| Income tax | 955,000 | 2,324,000 | 3,640,000 | 3,662,000 |
| Net income | 1,970,000 | 4,579,000 | 7,130,000 | 7,657,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,143,000 | 50,684,000 | 52,114,000 | 51,516,000 |
| Total capital | 55,994,000 | 57,560,000 | 58,828,000 | 58,241,000 |
| Risk-weighted assets | 544,155,000 | 545,908,000 | 532,672,000 | 530,754,000 |