Call reports 2003
WAUMANDEE STATE BANK — 2003
What WAUMANDEE STATE BANK 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 | 36,174,000 | 38,486,000 | 38,554,000 | 38,614,000 |
| Total loans | 23,613,000 | 24,231,000 | 26,831,000 | 27,444,000 |
| Allowance for loan losses | 330,000 | 337,000 | 343,000 | 344,000 |
| Securities available for sale | 10,000 | 9,434,000 | 9,186,000 | 8,989,000 |
| Securities held to maturity | 8,636,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,337,000 | 32,006,000 | 32,080,000 | 32,102,000 |
| Interest-bearing deposits | 27,374,000 | 28,541,000 | 28,623,000 | 28,223,000 |
| Noninterest-bearing deposits | 2,963,000 | 3,465,000 | 3,457,000 | 3,879,000 |
| Equity capital | 5,597,000 | 5,994,000 | 5,980,000 | 6,022,000 |
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 | 519,000 | 1,082,000 | 1,646,000 | 2,241,000 |
| Interest expense | 164,000 | 339,000 | 511,000 | 675,000 |
| Net interest income | 355,000 | 743,000 | 1,135,000 | 1,566,000 |
| Noninterest income | 35,000 | 87,000 | 130,000 | 180,000 |
| Noninterest expense | 238,000 | 488,000 | 728,000 | 1,002,000 |
| Provision for loan losses | 4,000 | 10,000 | 16,000 | 31,000 |
| Pretax income | 148,000 | 332,000 | 567,000 | 759,000 |
| Income tax | 47,000 | 108,000 | 189,000 | 253,000 |
| Net income | 101,000 | 224,000 | 378,000 | 506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,126,000 | 5,104,000 | 5,247,000 | 5,312,000 |
| Total capital | 5,440,000 | 5,432,000 | 5,590,000 | 5,656,000 |
| Risk-weighted assets | 25,122,000 | 26,290,000 | 27,388,000 | 27,872,000 |
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