Call reports 2003
WAINWRIGHT BANK & TRUST COMPANY — 2003
What WAINWRIGHT BANK & TRUST COMPANY 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 | 580,250,000 | 578,215,000 | 611,621,000 | 625,088,000 |
| Total loans | 365,833,000 | 407,743,000 | 440,078,000 | 459,858,000 |
| Allowance for loan losses | 4,206,000 | 4,515,000 | 4,625,000 | 4,875,000 |
| Securities available for sale | 131,697,000 | 118,369,000 | 113,115,000 | 120,947,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 1,006,000 | 953,000 | 1,021,000 | 1,828,000 |
| Total deposits | 422,195,000 | 457,854,000 | 484,680,000 | 455,151,000 |
| Interest-bearing deposits | 353,985,000 | 385,232,000 | 408,810,000 | 373,902,000 |
| Noninterest-bearing deposits | 68,210,000 | 72,622,000 | 75,870,000 | 81,249,000 |
| Equity capital | 40,426,000 | 42,062,000 | 42,350,000 | 45,362,000 |
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 | 7,932,000 | 15,801,000 | 23,118,000 | 30,627,000 |
| Interest expense | 2,076,000 | 4,225,000 | 6,325,000 | 8,445,000 |
| Net interest income | 5,856,000 | 11,576,000 | 16,793,000 | 22,182,000 |
| Noninterest income | 960,000 | 2,249,000 | 3,415,000 | 4,959,000 |
| Noninterest expense | 5,047,000 | 10,133,000 | 15,173,000 | 20,528,000 |
| Provision for loan losses | 150,000 | 450,000 | 550,000 | 800,000 |
| Pretax income | 1,907,000 | 3,590,000 | 4,885,000 | 6,200,000 |
| Income tax | 966,000 | 1,018,000 | 1,296,000 | 1,493,000 |
| Net income | 941,000 | 2,572,000 | 3,589,000 | 4,707,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,626,000 | 43,100,000 | 43,887,000 | 44,826,000 |
| Total capital | 46,037,000 | 47,818,000 | 48,712,000 | 49,901,000 |
| Risk-weighted assets | 419,622,000 | 458,128,000 | 464,300,000 | 483,531,000 |