Call reports 2007
WAHOO STATE BANK — 2007
What WAHOO STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 53,816,000 | 53,951,000 | 52,777,000 | 54,822,000 |
| Total loans | 44,586,000 | 46,225,000 | 45,145,000 | 45,270,000 |
| Allowance for loan losses | 469,000 | 489,000 | 507,000 | 510,000 |
| Securities available for sale | 640,000 | 612,000 | 593,000 | 535,000 |
| Securities held to maturity | 790,000 | 790,000 | 1,305,000 | 1,105,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,595,000 | 40,709,000 | 39,427,000 | 41,542,000 |
| Interest-bearing deposits | 34,999,000 | 35,111,000 | 33,744,000 | 34,034,000 |
| Noninterest-bearing deposits | 6,596,000 | 5,598,000 | 5,683,000 | 7,508,000 |
| Equity capital | 3,867,000 | 3,755,000 | 3,747,000 | 3,895,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 822,000 | 1,673,000 | 2,541,000 | 3,374,000 |
| Interest expense | 360,000 | 729,000 | 1,106,000 | 1,479,000 |
| Net interest income | 462,000 | 944,000 | 1,435,000 | 1,895,000 |
| Noninterest income | 90,000 | 174,000 | 265,000 | 383,000 |
| Noninterest expense | 414,000 | 856,000 | 1,289,000 | 1,678,000 |
| Provision for loan losses | 10,000 | 30,000 | 45,000 | 50,000 |
| Pretax income | 128,000 | 232,000 | 366,000 | 550,000 |
| Income tax | 3,000 | 8,000 | 12,000 | 18,000 |
| Net income | 125,000 | 224,000 | 354,000 | 532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,877,000 | 3,769,000 | 3,754,000 | 3,899,000 |
| Total capital | 4,346,000 | 4,258,000 | 4,240,000 | 4,394,000 |
| Risk-weighted assets | 38,588,000 | 39,750,000 | 38,935,000 | 40,062,000 |