Call reports 2003
WANDA STATE BANK, THE — 2003
What WANDA STATE BANK, THE 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 | 81,661,000 | 80,995,000 | 83,028,000 | 84,265,000 |
| Total loans | 40,007,000 | 40,869,000 | 42,816,000 | 40,421,000 |
| Allowance for loan losses | 1,245,000 | 1,321,000 | 1,358,000 | 1,357,000 |
| Securities available for sale | 8,070,000 | 7,077,000 | 11,006,000 | 13,512,000 |
| Securities held to maturity | 21,624,000 | 21,360,000 | 20,920,000 | 21,342,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,651,000 | 67,944,000 | 69,895,000 | 71,012,000 |
| Interest-bearing deposits | 58,557,000 | 58,804,000 | 60,450,000 | 58,871,000 |
| Noninterest-bearing deposits | 10,094,000 | 9,140,000 | 9,445,000 | 12,141,000 |
| Equity capital | 12,288,000 | 12,396,000 | 12,465,000 | 12,665,000 |
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 | 1,043,000 | 2,091,000 | 3,077,000 | 4,105,000 |
| Interest expense | 453,000 | 891,000 | 1,321,000 | 1,716,000 |
| Net interest income | 590,000 | 1,200,000 | 1,756,000 | 2,389,000 |
| Noninterest income | 17,000 | 27,000 | 39,000 | 53,000 |
| Noninterest expense | 322,000 | 672,000 | 1,001,000 | 1,495,000 |
| Provision for loan losses | 0 | 75,000 | 110,000 | 175,000 |
| Pretax income | 285,000 | 480,000 | 684,000 | 772,000 |
| Income tax | 122,000 | 214,000 | 305,000 | 197,000 |
| Net income | 163,000 | 266,000 | 379,000 | 575,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,895,000 | 11,998,000 | 12,111,000 | 12,253,000 |
| Total capital | 12,593,000 | 12,717,000 | 12,864,000 | 12,987,000 |
| Risk-weighted assets | 55,325,000 | 56,879,000 | 59,619,000 | 58,082,000 |