Call reports 2005
WYOMING BANK & TRUST — 2005
What WYOMING BANK & TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 75,626,000 | 77,126,000 | 77,719,000 | 80,101,000 |
| Total loans | 52,337,000 | 55,856,000 | 58,578,000 | 51,808,000 |
| Allowance for loan losses | 595,000 | 598,000 | 613,000 | 550,000 |
| Securities available for sale | 4,315,000 | 4,030,000 | 3,994,000 | 3,946,000 |
| Securities held to maturity | 5,149,000 | 4,589,000 | 4,588,000 | 4,545,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,949,000 | 65,754,000 | 65,678,000 | 68,461,000 |
| Interest-bearing deposits | 54,023,000 | 56,475,000 | 53,095,000 | 54,843,000 |
| Noninterest-bearing deposits | 10,926,000 | 9,279,000 | 12,583,000 | 13,618,000 |
| Equity capital | 7,702,000 | 8,139,000 | 8,624,000 | 8,552,000 |
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 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 943,000 | 1,957,000 | 3,096,000 | 4,226,000 |
| Interest expense | 264,000 | 553,000 | 905,000 | 1,321,000 |
| Net interest income | 679,000 | 1,404,000 | 2,191,000 | 2,905,000 |
| Noninterest income | 1,421,000 | 3,344,000 | 5,383,000 | 7,528,000 |
| Noninterest expense | 1,681,000 | 3,625,000 | 5,669,000 | 8,269,000 |
| Provision for loan losses | 18,000 | 33,000 | 48,000 | 63,000 |
| Pretax income | 401,000 | 1,090,000 | 1,857,000 | 2,101,000 |
| Income tax | 83,000 | 291,000 | 552,000 | 611,000 |
| Net income | 318,000 | 799,000 | 1,305,000 | 1,490,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,093,000 | 6,549,000 | 7,085,000 | 7,073,000 |
| Total capital | 6,688,000 | 7,147,000 | 7,698,000 | 7,623,000 |
| Risk-weighted assets | 59,108,000 | 65,201,000 | 64,962,000 | 61,740,000 |