Call reports 2003
WNB BANK — 2003
What WNB 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 | 304,364,000 | 314,630,000 | 311,424,000 | 310,720,000 |
| Total loans | 232,036,000 | 232,677,000 | 246,023,000 | 246,221,000 |
| Allowance for loan losses | 2,410,000 | 2,480,000 | 2,549,000 | 2,620,000 |
| Securities available for sale | 46,306,000 | 56,308,000 | 34,896,000 | 33,747,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,395,000 | 222,862,000 | 220,708,000 | 220,813,000 |
| Interest-bearing deposits | 184,690,000 | 184,410,000 | 182,869,000 | 181,516,000 |
| Noninterest-bearing deposits | 36,705,000 | 38,452,000 | 37,839,000 | 39,297,000 |
| Equity capital | 32,776,000 | 33,186,000 | 34,029,000 | 32,968,000 |
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 | 4,713,000 | 9,348,000 | 13,864,000 | 18,402,000 |
| Interest expense | 1,412,000 | 2,831,000 | 4,094,000 | 5,301,000 |
| Net interest income | 3,301,000 | 6,517,000 | 9,770,000 | 13,101,000 |
| Noninterest income | 715,000 | 1,445,000 | 2,035,000 | 2,703,000 |
| Noninterest expense | 1,899,000 | 3,891,000 | 5,918,000 | 7,840,000 |
| Provision for loan losses | 170,000 | 305,000 | 440,000 | 575,000 |
| Pretax income | 1,947,000 | 3,773,000 | 5,699,000 | 7,641,000 |
| Income tax | 503,000 | 923,000 | 1,442,000 | 1,945,000 |
| Net income | 1,444,000 | 2,850,000 | 4,257,000 | 5,696,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,372,000 | 32,778,000 | 34,185,000 | 33,124,000 |
| Total capital | 34,782,000 | 35,258,000 | 36,734,000 | 35,744,000 |
| Risk-weighted assets | 216,755,000 | 220,781,000 | 236,355,000 | 236,544,000 |