Call reports 2003
WYOMING BANK & TRUST — 2003
What WYOMING BANK & TRUST 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 | 56,499,000 | 63,196,000 | 60,969,000 | 63,422,000 |
| Total loans | 41,031,000 | 45,140,000 | 43,407,000 | 43,051,000 |
| Allowance for loan losses | 421,000 | 470,000 | 560,000 | 488,000 |
| Securities available for sale | 5,369,000 | 2,365,000 | 2,064,000 | 4,576,000 |
| Securities held to maturity | 4,109,000 | 5,385,000 | 4,992,000 | 5,309,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,529,000 | 55,316,000 | 53,706,000 | 56,149,000 |
| Interest-bearing deposits | 40,084,000 | 43,223,000 | 44,001,000 | 46,206,000 |
| Noninterest-bearing deposits | 9,445,000 | 12,093,000 | 9,705,000 | 9,943,000 |
| Equity capital | 4,471,000 | 4,867,000 | 4,957,000 | 5,014,000 |
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 | 798,000 | 1,669,000 | 2,402,000 | 3,184,000 |
| Interest expense | 210,000 | 409,000 | 615,000 | 816,000 |
| Net interest income | 588,000 | 1,260,000 | 1,787,000 | 2,368,000 |
| Noninterest income | 358,000 | 827,000 | 1,211,000 | 1,534,000 |
| Noninterest expense | 539,000 | 1,110,000 | 1,679,000 | 2,381,000 |
| Provision for loan losses | 45,000 | 93,000 | 183,000 | 183,000 |
| Pretax income | 362,000 | 889,000 | 1,132,000 | 1,334,000 |
| Income tax | 88,000 | 216,000 | 286,000 | 338,000 |
| Net income | 274,000 | 673,000 | 846,000 | 996,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,396,000 | 4,789,000 | 4,894,000 | 4,941,000 |
| Total capital | 4,817,000 | 5,259,000 | 5,454,000 | 5,429,000 |
| Risk-weighted assets | 42,533,000 | 48,408,000 | 47,997,000 | 47,027,000 |