Call reports 2008
WAUMANDEE STATE BANK — 2008
What WAUMANDEE STATE BANK 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 | 125,795,000 | 124,866,000 | 122,141,000 | 127,145,000 |
| Total loans | 73,250,000 | 83,135,000 | 89,995,000 | 93,711,000 |
| Allowance for loan losses | 795,000 | 817,000 | 873,000 | 942,000 |
| Securities available for sale | 20,346,000 | 19,357,000 | 18,901,000 | 18,370,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,381,000 | 111,153,000 | 108,288,000 | 112,895,000 |
| Interest-bearing deposits | 98,041,000 | 95,381,000 | 96,022,000 | 98,326,000 |
| Noninterest-bearing deposits | 13,340,000 | 15,771,000 | 12,266,000 | 14,569,000 |
| Equity capital | 13,385,000 | 12,883,000 | 13,051,000 | 13,296,000 |
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 | 1,880,000 | 3,659,000 | 5,381,000 | 7,207,000 |
| Interest expense | 934,000 | 1,737,000 | 2,492,000 | 3,213,000 |
| Net interest income | 946,000 | 1,922,000 | 2,889,000 | 3,994,000 |
| Noninterest income | 175,000 | 371,000 | 544,000 | 723,000 |
| Noninterest expense | 979,000 | 1,998,000 | 2,966,000 | 3,988,000 |
| Provision for loan losses | 47,000 | 110,000 | 181,000 | 256,000 |
| Pretax income | 97,000 | 188,000 | 289,000 | 476,000 |
| Income tax | -5,000 | -12,000 | -17,000 | 12,000 |
| Net income | 102,000 | 200,000 | 306,000 | 464,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,455,000 | 10,248,000 | 10,387,000 | 10,430,000 |
| Total capital | 11,250,000 | 11,065,000 | 11,260,000 | 11,372,000 |
| Risk-weighted assets | 77,820,000 | 88,658,000 | 96,240,000 | 95,305,000 |