Call reports 2015
WAUMANDEE STATE BANK — 2015
What WAUMANDEE STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 168,168,000 | 165,046,000 | 165,723,000 | 170,959,000 |
| Total loans | 125,934,000 | 128,612,000 | 127,223,000 | 131,548,000 |
| Allowance for loan losses | 2,449,000 | 2,422,000 | 2,393,000 | 2,564,000 |
| Securities available for sale | 23,136,000 | 22,951,000 | 23,523,000 | 22,820,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,288,000 | 144,515,000 | 147,594,000 | 149,395,000 |
| Interest-bearing deposits | 127,310,000 | 123,685,000 | 125,293,000 | 124,832,000 |
| Noninterest-bearing deposits | 22,978,000 | 20,830,000 | 22,301,000 | 24,563,000 |
| Equity capital | 17,619,000 | 17,624,000 | 17,737,000 | 17,500,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,746,000 | 3,526,000 | 5,301,000 | 7,125,000 |
| Interest expense | 198,000 | 393,000 | 590,000 | 783,000 |
| Net interest income | 1,548,000 | 3,133,000 | 4,711,000 | 6,342,000 |
| Noninterest income | 163,000 | 357,000 | 548,000 | 730,000 |
| Noninterest expense | 1,188,000 | 2,314,000 | 3,480,000 | 4,729,000 |
| Provision for loan losses | 30,000 | 80,000 | 140,000 | 160,000 |
| Pretax income | 493,000 | 1,096,000 | 1,639,000 | 2,183,000 |
| Income tax | 164,000 | 374,000 | 559,000 | 748,000 |
| Net income | 329,000 | 722,000 | 1,080,000 | 1,435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,746,000 | 15,874,000 | 15,890,000 | 15,692,000 |
| Total capital | 17,272,000 | 17,265,000 | 17,312,000 | 17,185,000 |
| Risk-weighted assets | 121,228,000 | 110,227,000 | 112,806,000 | 118,401,000 |