Call reports 2012
WAUMANDEE STATE BANK — 2012
What WAUMANDEE STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 156,952,000 | 157,135,000 | 156,281,000 | 163,252,000 |
| Total loans | 118,966,000 | 118,651,000 | 120,612,000 | 121,962,000 |
| Allowance for loan losses | 2,116,000 | 2,450,000 | 2,427,000 | 2,434,000 |
| Securities available for sale | 23,680,000 | 24,478,000 | 24,161,000 | 22,857,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,953,000 | 140,897,000 | 139,496,000 | 146,200,000 |
| Interest-bearing deposits | 121,957,000 | 119,910,000 | 117,699,000 | 121,202,000 |
| Noninterest-bearing deposits | 18,995,000 | 20,987,000 | 21,797,000 | 24,999,000 |
| Equity capital | 15,577,000 | 15,819,000 | 16,275,000 | 16,619,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,901,000 | 3,862,000 | 5,763,000 | 7,620,000 |
| Interest expense | 327,000 | 609,000 | 881,000 | 1,131,000 |
| Net interest income | 1,574,000 | 3,253,000 | 4,882,000 | 6,489,000 |
| Noninterest income | 217,000 | 489,000 | 701,000 | 878,000 |
| Noninterest expense | 1,264,000 | 2,398,000 | 3,586,000 | 4,655,000 |
| Provision for loan losses | 215,000 | 550,000 | 550,000 | 625,000 |
| Pretax income | 312,000 | 794,000 | 1,465,000 | 2,105,000 |
| Income tax | 79,000 | 224,000 | 445,000 | 655,000 |
| Net income | 233,000 | 570,000 | 1,020,000 | 1,450,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,895,000 | 13,176,000 | 13,661,000 | 14,106,000 |
| Total capital | 14,381,000 | 14,646,000 | 15,143,000 | 15,607,000 |
| Risk-weighted assets | 117,451,000 | 115,963,000 | 116,869,000 | 118,420,000 |