Call reports 2004
WAUMANDEE STATE BANK — 2004
What WAUMANDEE STATE BANK 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 | 39,922,000 | 40,859,000 | 61,484,000 | 62,260,000 |
| Total loans | 28,859,000 | 29,564,000 | 42,627,000 | 45,060,000 |
| Allowance for loan losses | 345,000 | 375,000 | 567,000 | 572,000 |
| Securities available for sale | 8,276,000 | 7,603,000 | 12,266,000 | 12,069,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,434,000 | 34,644,000 | 53,655,000 | 54,454,000 |
| Interest-bearing deposits | 29,854,000 | 30,291,000 | 47,389,000 | 47,154,000 |
| Noninterest-bearing deposits | 3,580,000 | 4,353,000 | 6,266,000 | 7,300,000 |
| Equity capital | 6,065,000 | 6,025,000 | 7,218,000 | 7,283,000 |
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 | 604,000 | 1,214,000 | 2,061,000 | 2,961,000 |
| Interest expense | 161,000 | 327,000 | 563,000 | 809,000 |
| Net interest income | 443,000 | 887,000 | 1,498,000 | 2,152,000 |
| Noninterest income | 52,000 | 120,000 | 207,000 | 286,000 |
| Noninterest expense | 311,000 | 621,000 | 1,084,000 | 1,606,000 |
| Provision for loan losses | 15,000 | 45,000 | 75,000 | 105,000 |
| Pretax income | 169,000 | 354,000 | 559,000 | 740,000 |
| Income tax | 47,000 | 95,000 | 173,000 | 220,000 |
| Net income | 122,000 | 259,000 | 386,000 | 520,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,310,000 | 5,454,000 | 5,937,000 | 6,157,000 |
| Total capital | 5,655,000 | 5,820,000 | 6,480,000 | 6,720,000 |
| Risk-weighted assets | 28,480,000 | 29,267,000 | 43,440,000 | 44,992,000 |
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