Call reports 2005
WAHOO STATE BANK — 2005
What WAHOO STATE BANK 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 | 50,235,000 | 49,595,000 | 51,861,000 | 51,624,000 |
| Total loans | 41,406,000 | 41,236,000 | 42,397,000 | 43,486,000 |
| Allowance for loan losses | 439,000 | 432,000 | 401,000 | 398,000 |
| Securities available for sale | 981,000 | 945,000 | 885,000 | 834,000 |
| Securities held to maturity | 1,440,000 | 1,000,000 | 1,000,000 | 830,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,198,000 | 36,472,000 | 37,758,000 | 38,454,000 |
| Interest-bearing deposits | 31,233,000 | 31,477,000 | 31,261,000 | 31,301,000 |
| Noninterest-bearing deposits | 5,965,000 | 4,995,000 | 6,497,000 | 7,153,000 |
| Equity capital | 3,446,000 | 3,623,000 | 3,484,000 | 3,612,000 |
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 | 675,000 | 1,374,000 | 2,096,000 | 2,841,000 |
| Interest expense | 189,000 | 396,000 | 623,000 | 870,000 |
| Net interest income | 486,000 | 978,000 | 1,473,000 | 1,971,000 |
| Noninterest income | 91,000 | 198,000 | 312,000 | 392,000 |
| Noninterest expense | 423,000 | 849,000 | 1,271,000 | 1,729,000 |
| Provision for loan losses | 5,000 | 20,000 | 50,000 | 80,000 |
| Pretax income | 149,000 | 307,000 | 464,000 | 554,000 |
| Income tax | 63,000 | 68,000 | 72,000 | 25,000 |
| Net income | 86,000 | 239,000 | 392,000 | 529,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,480,000 | 3,632,000 | 3,486,000 | 3,623,000 |
| Total capital | 3,919,000 | 4,064,000 | 3,887,000 | 4,021,000 |
| Risk-weighted assets | 35,267,000 | 36,041,000 | 36,469,000 | 36,704,000 |