Call reports 2008
WANDA STATE BANK, THE — 2008
What WANDA STATE BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 92,122,000 | 89,183,000 | 88,652,000 | 90,319,000 |
| Total loans | 49,539,000 | 50,582,000 | 54,390,000 | 55,673,000 |
| Allowance for loan losses | 858,000 | 876,000 | 873,000 | 771,000 |
| Securities available for sale | 12,185,000 | 13,940,000 | 13,559,000 | 13,743,000 |
| Securities held to maturity | 13,489,000 | 12,687,000 | 12,497,000 | 13,339,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,850,000 | 72,978,000 | 72,047,000 | 73,452,000 |
| Interest-bearing deposits | 61,849,000 | 59,784,000 | 57,786,000 | 57,650,000 |
| Noninterest-bearing deposits | 14,001,000 | 13,194,000 | 14,261,000 | 15,802,000 |
| Equity capital | 15,251,000 | 15,280,000 | 15,647,000 | 15,880,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,203,000 | 2,321,000 | 3,458,000 | 4,577,000 |
| Interest expense | 598,000 | 1,128,000 | 1,602,000 | 2,049,000 |
| Net interest income | 605,000 | 1,193,000 | 1,856,000 | 2,528,000 |
| Noninterest income | 54,000 | 108,000 | 162,000 | 213,000 |
| Noninterest expense | 402,000 | 813,000 | 1,204,000 | 1,778,000 |
| Provision for loan losses | 50,000 | 75,000 | 75,000 | 75,000 |
| Pretax income | 207,000 | 413,000 | 739,000 | 888,000 |
| Income tax | 30,000 | 60,000 | 90,000 | 117,000 |
| Net income | 177,000 | 353,000 | 649,000 | 771,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,928,000 | 15,104,000 | 15,400,000 | 15,563,000 |
| Total capital | 15,786,000 | 15,980,000 | 16,273,000 | 16,334,000 |
| Risk-weighted assets | 71,071,000 | 71,841,000 | 75,164,000 | 76,595,000 |