Call reports 2005
WAUKEE STATE BANK — 2005
What WAUKEE 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 | 55,312,000 | 55,329,000 | 55,010,000 | 55,463,000 |
| Total loans | 36,146,000 | 34,965,000 | 33,561,000 | 33,353,000 |
| Allowance for loan losses | 420,000 | 380,000 | 348,000 | 313,000 |
| Securities available for sale | 13,123,000 | 13,158,000 | 13,584,000 | 13,800,000 |
| Securities held to maturity | 0 | 2,300,000 | 2,300,000 | 2,300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,108,000 | 41,955,000 | 42,100,000 | 42,447,000 |
| Interest-bearing deposits | 36,765,000 | 36,244,000 | 35,984,000 | 36,121,000 |
| Noninterest-bearing deposits | 5,343,000 | 5,711,000 | 6,116,000 | 6,326,000 |
| Equity capital | 5,050,000 | 5,232,000 | 5,257,000 | 5,328,000 |
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 | 695,000 | 1,402,000 | 2,147,000 | 2,906,000 |
| Interest expense | 248,000 | 520,000 | 838,000 | 1,181,000 |
| Net interest income | 447,000 | 882,000 | 1,309,000 | 1,725,000 |
| Noninterest income | 73,000 | 176,000 | 215,000 | 309,000 |
| Noninterest expense | 369,000 | 749,000 | 1,119,000 | 1,496,000 |
| Provision for loan losses | 8,000 | 15,000 | -17,000 | -33,000 |
| Pretax income | 143,000 | 294,000 | 422,000 | 571,000 |
| Income tax | 49,000 | 99,000 | 138,000 | 184,000 |
| Net income | 94,000 | 195,000 | 284,000 | 387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,184,000 | 5,284,000 | 5,373,000 | 5,476,000 |
| Total capital | 5,604,000 | 5,664,000 | 5,721,000 | 5,789,000 |
| Risk-weighted assets | 35,143,000 | 35,388,000 | 34,436,000 | 34,906,000 |