Call reports 2008
WAHOO STATE BANK — 2008
What WAHOO STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 55,746,000 | 58,776,000 | 56,189,000 | 58,673,000 |
| Total loans | 45,642,000 | 45,498,000 | 45,444,000 | 46,801,000 |
| Allowance for loan losses | 515,000 | 530,000 | 546,000 | 498,000 |
| Securities available for sale | 503,000 | 480,000 | 2,289,000 | 261,000 |
| Securities held to maturity | 1,105,000 | 1,105,000 | 1,070,000 | 1,070,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,536,000 | 45,845,000 | 43,392,000 | 47,196,000 |
| Interest-bearing deposits | 35,778,000 | 38,144,000 | 35,834,000 | 39,997,000 |
| Noninterest-bearing deposits | 6,758,000 | 7,701,000 | 7,558,000 | 7,199,000 |
| Equity capital | 3,820,000 | 3,911,000 | 3,829,000 | 3,676,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 865,000 | 1,709,000 | 2,554,000 | 3,380,000 |
| Interest expense | 364,000 | 680,000 | 1,000,000 | 1,328,000 |
| Net interest income | 501,000 | 1,029,000 | 1,554,000 | 2,052,000 |
| Noninterest income | 92,000 | 190,000 | 287,000 | 449,000 |
| Noninterest expense | 462,000 | 921,000 | 1,383,000 | 1,830,000 |
| Provision for loan losses | 12,000 | 27,000 | 42,000 | 234,000 |
| Pretax income | 119,000 | 271,000 | 416,000 | 437,000 |
| Income tax | 5,000 | 10,000 | 15,000 | 12,000 |
| Net income | 114,000 | 261,000 | 401,000 | 425,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,816,000 | 3,911,000 | 3,830,000 | 3,673,000 |
| Total capital | 4,321,000 | 4,420,000 | 4,330,000 | 4,171,000 |
| Risk-weighted assets | 40,383,000 | 40,744,000 | 39,931,000 | 41,635,000 |