Call reports 2009
WAUMANDEE STATE BANK — 2009
What WAUMANDEE STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 130,015,000 | 133,032,000 | 139,286,000 | 145,658,000 |
| Total loans | 95,289,000 | 101,543,000 | 107,884,000 | 109,663,000 |
| Allowance for loan losses | 1,017,000 | 1,183,000 | 1,206,000 | 1,369,000 |
| Securities available for sale | 17,407,000 | 17,474,000 | 18,761,000 | 18,739,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,545,000 | 118,654,000 | 124,351,000 | 130,927,000 |
| Interest-bearing deposits | 102,652,000 | 105,526,000 | 111,979,000 | 115,253,000 |
| Noninterest-bearing deposits | 12,893,000 | 13,128,000 | 12,372,000 | 15,674,000 |
| Equity capital | 13,543,000 | 13,383,000 | 13,776,000 | 13,760,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,772,000 | 3,562,000 | 5,564,000 | 7,513,000 |
| Interest expense | 634,000 | 1,268,000 | 1,885,000 | 2,494,000 |
| Net interest income | 1,138,000 | 2,294,000 | 3,679,000 | 5,019,000 |
| Noninterest income | 250,000 | 529,000 | 753,000 | 951,000 |
| Noninterest expense | 1,036,000 | 2,188,000 | 3,317,000 | 4,375,000 |
| Provision for loan losses | 75,000 | 275,000 | 475,000 | 790,000 |
| Pretax income | 277,000 | 470,000 | 750,000 | 915,000 |
| Income tax | 77,000 | 112,000 | 184,000 | 210,000 |
| Net income | 200,000 | 358,000 | 566,000 | 705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,665,000 | 10,643,000 | 10,885,000 | 10,933,000 |
| Total capital | 11,682,000 | 11,826,000 | 12,091,000 | 12,302,000 |
| Risk-weighted assets | 96,807,000 | 103,077,000 | 110,057,000 | 109,713,000 |