Call reports 2006
WAHOO STATE BANK — 2006
What WAHOO STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 52,963,000 | 56,082,000 | 53,574,000 | 53,993,000 |
| Total loans | 44,567,000 | 46,584,000 | 45,135,000 | 45,495,000 |
| Allowance for loan losses | 411,000 | 443,000 | 446,000 | 453,000 |
| Securities available for sale | 789,000 | 741,000 | 710,000 | 664,000 |
| Securities held to maturity | 830,000 | 830,000 | 830,000 | 790,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,653,000 | 42,962,000 | 40,513,000 | 41,721,000 |
| Interest-bearing deposits | 34,786,000 | 34,782,000 | 34,705,000 | 34,493,000 |
| Noninterest-bearing deposits | 5,867,000 | 8,180,000 | 5,808,000 | 7,228,000 |
| Equity capital | 3,714,000 | 3,745,000 | 3,778,000 | 3,936,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 754,000 | 1,575,000 | 2,410,000 | 3,245,000 |
| Interest expense | 284,000 | 592,000 | 939,000 | 1,293,000 |
| Net interest income | 470,000 | 983,000 | 1,471,000 | 1,952,000 |
| Noninterest income | 97,000 | 200,000 | 318,000 | 420,000 |
| Noninterest expense | 447,000 | 899,000 | 1,306,000 | 1,728,000 |
| Provision for loan losses | 10,000 | 25,000 | 45,000 | 50,000 |
| Pretax income | 110,000 | 259,000 | 438,000 | 594,000 |
| Income tax | 5,000 | 10,000 | 15,000 | 19,000 |
| Net income | 105,000 | 249,000 | 423,000 | 575,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,728,000 | 3,765,000 | 3,795,000 | 3,948,000 |
| Total capital | 4,139,000 | 4,208,000 | 4,241,000 | 4,401,000 |
| Risk-weighted assets | 37,875,000 | 39,915,000 | 39,334,000 | 40,274,000 |