Call reports 2008
WYOMING BANK & TRUST — 2008
What WYOMING BANK & TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 90,458,000 | 93,587,000 | 91,426,000 | 92,630,000 |
| Total loans | 62,471,000 | 67,644,000 | 66,746,000 | 65,060,000 |
| Allowance for loan losses | 600,000 | 579,000 | 649,000 | 636,000 |
| Securities available for sale | 10,111,000 | 8,746,000 | 6,823,000 | 11,771,000 |
| Securities held to maturity | 3,290,000 | 3,363,000 | 3,222,000 | 3,064,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,533,000 | 81,273,000 | 79,030,000 | 80,322,000 |
| Interest-bearing deposits | 76,284,000 | 78,462,000 | 76,463,000 | 74,191,000 |
| Noninterest-bearing deposits | 2,249,000 | 2,811,000 | 2,567,000 | 6,131,000 |
| Equity capital | 9,221,000 | 9,661,000 | 9,938,000 | 10,014,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,255,000 | 2,473,000 | 3,680,000 | 4,840,000 |
| Interest expense | 513,000 | 954,000 | 1,363,000 | 1,692,000 |
| Net interest income | 742,000 | 1,519,000 | 2,317,000 | 3,148,000 |
| Noninterest income | 1,395,000 | 3,533,000 | 5,774,000 | 7,378,000 |
| Noninterest expense | 1,825,000 | 4,137,000 | 6,637,000 | 8,877,000 |
| Provision for loan losses | 15,000 | 45,000 | 151,000 | 181,000 |
| Pretax income | 297,000 | 871,000 | 1,302,000 | 1,468,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 297,000 | 871,000 | 1,302,000 | 1,468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,823,000 | 8,344,000 | 8,647,000 | 8,660,000 |
| Total capital | 8,423,000 | 8,923,000 | 9,296,000 | 9,296,000 |
| Risk-weighted assets | 69,284,000 | 73,013,000 | 73,820,000 | 74,917,000 |