Call reports 2004
WAINWRIGHT BANK & TRUST COMPANY — 2004
What WAINWRIGHT BANK & TRUST COMPANY 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 | 642,584,000 | 676,809,000 | 675,201,000 | 759,974,000 |
| Total loans | 463,641,000 | 497,302,000 | 508,601,000 | 537,534,000 |
| Allowance for loan losses | 4,889,000 | 5,149,000 | 5,383,000 | 5,479,000 |
| Securities available for sale | 139,854,000 | 131,159,000 | 120,196,000 | 157,240,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 2,353,000 | 2,267,000 | 3,528,000 | 2,963,000 |
| Total deposits | 421,280,000 | 464,967,000 | 493,433,000 | 522,448,000 |
| Interest-bearing deposits | 340,695,000 | 379,638,000 | 404,526,000 | 431,437,000 |
| Noninterest-bearing deposits | 80,585,000 | 85,329,000 | 88,906,000 | 91,011,000 |
| Equity capital | 48,412,000 | 60,581,000 | 62,678,000 | 63,940,000 |
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 | 7,794,000 | 15,968,000 | 24,449,000 | 33,245,000 |
| Interest expense | 2,070,000 | 4,159,000 | 6,334,000 | 8,754,000 |
| Net interest income | 5,724,000 | 11,809,000 | 18,115,000 | 24,491,000 |
| Noninterest income | 1,215,000 | 2,551,000 | 3,821,000 | 5,168,000 |
| Noninterest expense | 5,114,000 | 10,034,000 | 14,971,000 | 20,635,000 |
| Provision for loan losses | 0 | 250,000 | 250,000 | 350,000 |
| Pretax income | 1,827,000 | 4,266,000 | 6,905,000 | 8,860,000 |
| Income tax | 480,000 | 1,237,000 | 2,071,000 | 2,479,000 |
| Net income | 1,347,000 | 3,029,000 | 4,834,000 | 6,381,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,891,000 | 60,154,000 | 61,610,000 | 62,857,000 |
| Total capital | 50,980,000 | 65,503,000 | 67,193,000 | 68,536,000 |
| Risk-weighted assets | 473,401,000 | 531,068,000 | 532,398,000 | 585,244,000 |