Call reports 2003
WAHOO STATE BANK — 2003
What WAHOO STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 41,917,000 | 43,536,000 | 43,737,000 | 45,609,000 |
| Total loans | 33,365,000 | 32,587,000 | 31,736,000 | 34,874,000 |
| Allowance for loan losses | 370,000 | 374,000 | 390,000 | 396,000 |
| Securities available for sale | 1,600,000 | 1,389,000 | 1,805,000 | 1,697,000 |
| Securities held to maturity | 1,355,000 | 1,334,000 | 1,410,000 | 1,335,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,807,000 | 35,681,000 | 35,980,000 | 37,762,000 |
| Interest-bearing deposits | 29,761,000 | 31,014,000 | 31,096,000 | 32,155,000 |
| Noninterest-bearing deposits | 4,046,000 | 4,667,000 | 4,884,000 | 5,607,000 |
| Equity capital | 3,224,000 | 3,325,000 | 3,143,000 | 3,253,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 622,000 | 1,249,000 | 1,832,000 | 2,448,000 |
| Interest expense | 204,000 | 391,000 | 573,000 | 755,000 |
| Net interest income | 418,000 | 858,000 | 1,259,000 | 1,693,000 |
| Noninterest income | 77,000 | 159,000 | 277,000 | 376,000 |
| Noninterest expense | 379,000 | 752,000 | 1,072,000 | 1,480,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 10,000 |
| Pretax income | 116,000 | 265,000 | 454,000 | 579,000 |
| Income tax | 33,000 | 78,000 | 138,000 | 163,000 |
| Net income | 83,000 | 187,000 | 316,000 | 416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,207,000 | 3,325,000 | 3,143,000 | 3,253,000 |
| Total capital | 3,554,000 | 3,664,000 | 3,474,000 | 3,633,000 |
| Risk-weighted assets | 27,445,000 | 26,807,000 | 27,288,000 | 30,420,000 |