Call reports 2005
STATE BANK OF WAPELLO — 2005
What STATE BANK OF WAPELLO reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 31,854,000 | 31,610,000 | 29,948,000 | 31,124,000 |
| Total loans | 13,592,000 | 13,491,000 | 13,905,000 | 13,559,000 |
| Allowance for loan losses | 85,000 | 77,000 | 78,000 | 77,000 |
| Securities available for sale | 14,112,000 | 14,348,000 | 13,393,000 | 13,475,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,849,000 | 26,457,000 | 24,774,000 | 25,949,000 |
| Interest-bearing deposits | 22,721,000 | 22,400,000 | 20,939,000 | 21,803,000 |
| Noninterest-bearing deposits | 4,128,000 | 4,057,000 | 3,835,000 | 4,146,000 |
| Equity capital | 4,902,000 | 5,027,000 | 5,026,000 | 5,060,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 333,000 | 677,000 | 1,019,000 | 1,367,000 |
| Interest expense | 66,000 | 137,000 | 217,000 | 296,000 |
| Net interest income | 267,000 | 540,000 | 802,000 | 1,071,000 |
| Noninterest income | 54,000 | 104,000 | 156,000 | 222,000 |
| Noninterest expense | 221,000 | 435,000 | 659,000 | 883,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 100,000 | 209,000 | 299,000 | 408,000 |
| Income tax | 5,000 | 11,000 | 15,000 | 20,000 |
| Net income | 95,000 | 198,000 | 284,000 | 388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,042,000 | 5,010,000 | 5,029,000 | 5,065,000 |
| Total capital | 5,127,000 | 5,087,000 | 5,107,000 | 5,142,000 |
| Risk-weighted assets | 17,020,000 | 16,930,000 | 16,807,000 | 16,727,000 |