Call reports 2005
WYOMING COUNTY BANK — 2005
What WYOMING COUNTY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 |
|---|---|---|---|
| Total assets | 779,208,000 | 738,460,000 | 730,983,000 |
| Total loans | 511,300,000 | 487,069,000 | 415,829,000 |
| Allowance for loan losses | 13,428,000 | 8,012,000 | 8,137,000 |
| Securities available for sale | 201,826,000 | 199,931,000 | 244,582,000 |
| Securities held to maturity | 14,440,000 | 13,005,000 | 11,192,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 698,674,000 | 659,924,000 | 655,574,000 |
| Interest-bearing deposits | 606,272,000 | 556,696,000 | 543,900,000 |
| Noninterest-bearing deposits | 92,402,000 | 103,228,000 | 111,674,000 |
| Equity capital | 52,013,000 | 48,838,000 | 49,524,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 |
|---|---|---|---|
| Interest income | 9,997,000 | 19,891,000 | 29,595,000 |
| Interest expense | 2,605,000 | 5,581,000 | 8,512,000 |
| Net interest income | 7,392,000 | 14,310,000 | 21,083,000 |
| Noninterest income | 1,410,000 | 2,830,000 | 6,328,000 |
| Noninterest expense | 5,015,000 | 9,890,000 | 14,843,000 |
| Provision for loan losses | 428,000 | 9,056,000 | 9,734,000 |
| Pretax income | 3,359,000 | -1,806,000 | 2,834,000 |
| Income tax | 1,136,000 | -1,133,000 | 520,000 |
| Net income | 2,223,000 | -673,000 | 2,314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 |
|---|---|---|---|
| Tier 1 capital | 52,617,000 | 48,599,000 | 50,289,000 |
| Total capital | 59,335,000 | 54,942,000 | 55,878,000 |
| Risk-weighted assets | 530,764,000 | 505,720,000 | 444,589,000 |