Call reports 2005
WANDA STATE BANK, THE — 2005
What WANDA STATE BANK, THE 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 | 85,836,000 | 83,410,000 | 83,308,000 | 85,103,000 |
| Total loans | 40,599,000 | 41,791,000 | 44,207,000 | 42,501,000 |
| Allowance for loan losses | 1,220,000 | 1,212,000 | 1,212,000 | 1,212,000 |
| Securities available for sale | 17,579,000 | 17,781,000 | 14,695,000 | 14,631,000 |
| Securities held to maturity | 17,885,000 | 17,812,000 | 17,814,000 | 17,835,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,305,000 | 69,137,000 | 69,083,000 | 70,842,000 |
| Interest-bearing deposits | 60,925,000 | 58,946,000 | 58,627,000 | 56,425,000 |
| Noninterest-bearing deposits | 11,380,000 | 10,191,000 | 10,456,000 | 14,417,000 |
| Equity capital | 13,041,000 | 13,476,000 | 13,537,000 | 13,646,000 |
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 | 969,000 | 1,961,000 | 2,996,000 | 4,025,000 |
| Interest expense | 354,000 | 735,000 | 1,157,000 | 1,566,000 |
| Net interest income | 615,000 | 1,226,000 | 1,839,000 | 2,459,000 |
| Noninterest income | 49,000 | 97,000 | 154,000 | 201,000 |
| Noninterest expense | 335,000 | 685,000 | 1,091,000 | 1,603,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 329,000 | 638,000 | 860,000 | 1,015,000 |
| Income tax | 75,000 | 150,000 | 225,000 | 207,000 |
| Net income | 254,000 | 488,000 | 635,000 | 808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,091,000 | 13,325,000 | 13,350,000 | 13,515,000 |
| Total capital | 13,872,000 | 14,114,000 | 14,166,000 | 14,314,000 |
| Risk-weighted assets | 62,005,000 | 62,681,000 | 64,855,000 | 63,506,000 |