Call reports 2004
WANDA STATE BANK, THE — 2004
What WANDA STATE BANK, THE 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 | 86,343,000 | 83,801,000 | 84,280,000 | 85,979,000 |
| Total loans | 40,159,000 | 41,399,000 | 42,231,000 | 41,436,000 |
| Allowance for loan losses | 1,359,000 | 1,438,000 | 1,266,000 | 1,220,000 |
| Securities available for sale | 15,639,000 | 17,224,000 | 17,449,000 | 17,835,000 |
| Securities held to maturity | 18,146,000 | 17,085,000 | 17,507,000 | 18,283,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,905,000 | 70,580,000 | 70,635,000 | 72,314,000 |
| Interest-bearing deposits | 61,667,000 | 61,017,000 | 61,000,000 | 59,556,000 |
| Noninterest-bearing deposits | 11,238,000 | 9,563,000 | 9,635,000 | 12,758,000 |
| Equity capital | 12,878,000 | 12,732,000 | 13,130,000 | 13,198,000 |
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 | 974,000 | 1,930,000 | 2,920,000 | 3,913,000 |
| Interest expense | 366,000 | 718,000 | 1,067,000 | 1,420,000 |
| Net interest income | 608,000 | 1,212,000 | 1,853,000 | 2,493,000 |
| Noninterest income | 22,000 | 42,000 | 95,000 | 143,000 |
| Noninterest expense | 346,000 | 718,000 | 1,074,000 | 1,599,000 |
| Provision for loan losses | 0 | 75,000 | 75,000 | 75,000 |
| Pretax income | 284,000 | 461,000 | 799,000 | 962,000 |
| Income tax | 75,000 | 150,000 | 225,000 | 250,000 |
| Net income | 209,000 | 311,000 | 574,000 | 712,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,390,000 | 12,382,000 | 12,735,000 | 12,861,000 |
| Total capital | 13,108,000 | 13,144,000 | 13,514,000 | 13,648,000 |
| Risk-weighted assets | 56,832,000 | 60,323,000 | 61,802,000 | 62,544,000 |