Call reports 2004
WAHOO STATE BANK — 2004
What WAHOO STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 44,596,000 | 47,942,000 | 47,917,000 | 47,088,000 |
| Total loans | 35,921,000 | 36,743,000 | 37,800,000 | 38,598,000 |
| Allowance for loan losses | 421,000 | 390,000 | 439,000 | 437,000 |
| Securities available for sale | 1,642,000 | 1,515,000 | 1,444,000 | 1,371,000 |
| Securities held to maturity | 1,335,000 | 1,225,000 | 1,225,000 | 1,440,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,986,000 | 38,321,000 | 39,335,000 | 37,692,000 |
| Interest-bearing deposits | 31,069,000 | 31,630,000 | 31,465,000 | 32,445,000 |
| Noninterest-bearing deposits | 4,917,000 | 6,691,000 | 7,870,000 | 5,247,000 |
| Equity capital | 3,379,000 | 3,452,000 | 3,286,000 | 3,399,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 646,000 | 1,273,000 | 1,933,000 | 2,584,000 |
| Interest expense | 177,000 | 354,000 | 522,000 | 698,000 |
| Net interest income | 469,000 | 919,000 | 1,411,000 | 1,886,000 |
| Noninterest income | 86,000 | 191,000 | 285,000 | 408,000 |
| Noninterest expense | 380,000 | 747,000 | 1,149,000 | 1,586,000 |
| Provision for loan losses | 25,000 | 55,000 | 60,000 | 60,000 |
| Pretax income | 150,000 | 308,000 | 487,000 | 648,000 |
| Income tax | 34,000 | 85,000 | 147,000 | 196,000 |
| Net income | 116,000 | 223,000 | 340,000 | 452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,379,000 | 3,463,000 | 3,280,000 | 3,399,000 |
| Total capital | 3,767,000 | 3,853,000 | 3,682,000 | 3,791,000 |
| Risk-weighted assets | 30,989,000 | 32,810,000 | 32,123,000 | 32,503,000 |