Call reports 2005
WAINWRIGHT BANK & TRUST COMPANY — 2005
What WAINWRIGHT BANK & TRUST COMPANY 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 | 759,554,000 | 714,188,000 | 737,853,000 | 841,954,000 |
| Total loans | 547,957,000 | 552,940,000 | 573,569,000 | 610,919,000 |
| Allowance for loan losses | 5,623,000 | 5,885,000 | 5,809,000 | 6,055,000 |
| Securities available for sale | 161,259,000 | 114,060,000 | 111,386,000 | 164,755,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 2,269,000 | 2,425,000 | 2,979,000 | 2,709,000 |
| Total deposits | 478,188,000 | 532,492,000 | 542,092,000 | 561,617,000 |
| Interest-bearing deposits | 384,351,000 | 446,247,000 | 440,770,000 | 457,207,000 |
| Noninterest-bearing deposits | 93,837,000 | 86,246,000 | 101,322,000 | 104,410,000 |
| Equity capital | 64,534,000 | 66,780,000 | 67,172,000 | 65,655,000 |
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 | 9,277,000 | 18,839,000 | 28,588,000 | 39,092,000 |
| Interest expense | 2,570,000 | 5,207,000 | 8,248,000 | 11,994,000 |
| Net interest income | 6,707,000 | 13,632,000 | 20,340,000 | 27,098,000 |
| Noninterest income | 1,060,000 | 2,262,000 | 3,647,000 | 4,991,000 |
| Noninterest expense | 5,549,000 | 10,855,000 | 16,301,000 | 22,497,000 |
| Provision for loan losses | 150,000 | 400,000 | 400,000 | 650,000 |
| Pretax income | 2,131,000 | 4,702,000 | 7,453,000 | 9,109,000 |
| Income tax | 607,000 | 1,331,000 | 2,268,000 | 2,297,000 |
| Net income | 1,524,000 | 3,371,000 | 5,185,000 | 6,812,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,033,000 | 65,359,000 | 66,497,000 | 65,328,000 |
| Total capital | 69,856,000 | 71,444,000 | 72,506,000 | 71,583,000 |
| Risk-weighted assets | 602,509,000 | 567,051,000 | 593,909,000 | 643,571,000 |