Call reports 2004
WYOMING BANK & TRUST — 2004
What WYOMING BANK & TRUST 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 | 64,762,000 | 67,952,000 | 70,896,000 | 72,774,000 |
| Total loans | 44,943,000 | 47,694,000 | 51,334,000 | 53,081,000 |
| Allowance for loan losses | 509,000 | 533,000 | 555,000 | 577,000 |
| Securities available for sale | 5,324,000 | 4,918,000 | 4,456,000 | 4,086,000 |
| Securities held to maturity | 5,285,000 | 4,729,000 | 4,781,000 | 5,113,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,850,000 | 59,895,000 | 62,393,000 | 62,511,000 |
| Interest-bearing deposits | 46,502,000 | 46,972,000 | 50,855,000 | 51,606,000 |
| Noninterest-bearing deposits | 10,348,000 | 12,923,000 | 11,538,000 | 10,905,000 |
| Equity capital | 5,172,000 | 5,452,000 | 5,793,000 | 7,432,000 |
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 | 826,000 | 1,739,000 | 2,673,000 | 3,636,000 |
| Interest expense | 201,000 | 408,000 | 630,000 | 869,000 |
| Net interest income | 625,000 | 1,331,000 | 2,043,000 | 2,767,000 |
| Noninterest income | 194,000 | 437,000 | 709,000 | 2,086,000 |
| Noninterest expense | 545,000 | 1,021,000 | 1,505,000 | 3,276,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 250,000 | 701,000 | 1,180,000 | 1,486,000 |
| Income tax | 98,000 | 198,000 | 363,000 | 445,000 |
| Net income | 152,000 | 503,000 | 817,000 | 1,041,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,093,000 | 5,443,000 | 5,759,000 | 5,746,000 |
| Total capital | 5,602,000 | 5,976,000 | 6,314,000 | 6,323,000 |
| Risk-weighted assets | 50,254,000 | 53,338,000 | 56,414,000 | 59,755,000 |