Call reports 2004
WNB BANK — 2004
What WNB 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 | 311,209,000 | 312,781,000 | 320,658,000 | 312,167,000 |
| Total loans | 249,473,000 | 255,120,000 | 263,587,000 | 258,478,000 |
| Allowance for loan losses | 2,732,000 | 2,824,000 | 2,903,000 | 3,074,000 |
| Securities available for sale | 33,102,000 | 29,136,000 | 27,900,000 | 25,016,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 217,235,000 | 221,082,000 | 215,641,000 | 217,556,000 |
| Interest-bearing deposits | 179,412,000 | 179,988,000 | 177,117,000 | 175,870,000 |
| Noninterest-bearing deposits | 37,823,000 | 41,094,000 | 38,524,000 | 41,686,000 |
| Equity capital | 31,972,000 | 30,365,000 | 30,486,000 | 30,312,000 |
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 | 4,475,000 | 8,988,000 | 13,501,000 | 18,093,000 |
| Interest expense | 1,159,000 | 2,281,000 | 3,255,000 | 4,315,000 |
| Net interest income | 3,316,000 | 6,707,000 | 10,246,000 | 13,778,000 |
| Noninterest income | 601,000 | 1,327,000 | 1,948,000 | 2,594,000 |
| Noninterest expense | 2,010,000 | 4,036,000 | 6,103,000 | 8,206,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,757,000 | 3,698,000 | 5,641,000 | 7,567,000 |
| Income tax | 447,000 | 933,000 | 1,410,000 | 1,902,000 |
| Net income | 1,310,000 | 2,765,000 | 4,231,000 | 5,665,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,934,000 | 30,889,000 | 30,605,000 | 30,539,000 |
| Total capital | 34,666,000 | 33,713,000 | 33,508,000 | 33,613,000 |
| Risk-weighted assets | 242,602,000 | 249,097,000 | 256,325,000 | 248,394,000 |