Call reports 2005
WALWORTH STATE BANK — 2005
What WALWORTH STATE BANK 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 | 170,907,000 | 163,311,000 | 167,925,000 | 177,360,000 |
| Total loans | 113,379,000 | 110,113,000 | 108,182,000 | 117,013,000 |
| Allowance for loan losses | 1,049,000 | 987,000 | 988,000 | 1,212,000 |
| Securities available for sale | 46,657,000 | 45,581,000 | 50,261,000 | 48,334,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,048,000 | 135,995,000 | 141,790,000 | 152,504,000 |
| Interest-bearing deposits | 118,973,000 | 115,422,000 | 120,476,000 | 127,904,000 |
| Noninterest-bearing deposits | 19,075,000 | 20,573,000 | 21,314,000 | 24,600,000 |
| Equity capital | 17,695,000 | 18,716,000 | 18,923,000 | 17,502,000 |
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 | 2,449,000 | 4,621,000 | 6,838,000 | 9,215,000 |
| Interest expense | 624,000 | 1,343,000 | 2,140,000 | 3,036,000 |
| Net interest income | 1,825,000 | 3,278,000 | 4,698,000 | 6,179,000 |
| Noninterest income | 223,000 | 544,000 | 744,000 | 934,000 |
| Noninterest expense | 859,000 | 1,819,000 | 2,664,000 | 3,442,000 |
| Provision for loan losses | 0 | 0 | 0 | 250,000 |
| Pretax income | 1,189,000 | 2,012,000 | 2,785,000 | 3,428,000 |
| Income tax | 3,000 | 5,000 | 7,000 | 9,000 |
| Net income | 1,186,000 | 2,007,000 | 2,778,000 | 3,419,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,405,000 | 17,874,000 | 18,275,000 | 17,290,000 |
| Total capital | 18,454,000 | 18,861,000 | 19,263,000 | 18,502,000 |
| Risk-weighted assets | 119,406,000 | 114,497,000 | 114,020,000 | 122,015,000 |
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