Call reports 2009
WAHOO STATE BANK — 2009
What WAHOO STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 58,982,000 | 64,637,000 | 63,390,000 | 58,630,000 |
| Total loans | 45,802,000 | 47,143,000 | 46,125,000 | 45,905,000 |
| Allowance for loan losses | 515,000 | 530,000 | 544,000 | 554,000 |
| Securities available for sale | 1,871,000 | 7,227,000 | 5,988,000 | 2,728,000 |
| Securities held to maturity | 1,070,000 | 1,070,000 | 1,030,000 | 1,175,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,477,000 | 50,385,000 | 50,554,000 | 46,070,000 |
| Interest-bearing deposits | 40,951,000 | 42,616,000 | 42,463,000 | 39,568,000 |
| Noninterest-bearing deposits | 6,526,000 | 7,769,000 | 8,091,000 | 6,502,000 |
| Equity capital | 3,826,000 | 3,967,000 | 4,045,000 | 3,949,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 805,000 | 1,608,000 | 2,421,000 | 3,221,000 |
| Interest expense | 286,000 | 556,000 | 817,000 | 1,029,000 |
| Net interest income | 519,000 | 1,052,000 | 1,604,000 | 2,192,000 |
| Noninterest income | 101,000 | 183,000 | 271,000 | 387,000 |
| Noninterest expense | 449,000 | 928,000 | 1,448,000 | 1,974,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 55,000 |
| Pretax income | 156,000 | 277,000 | 382,000 | 550,000 |
| Income tax | 6,000 | 12,000 | 18,000 | 22,000 |
| Net income | 150,000 | 265,000 | 364,000 | 528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,824,000 | 3,939,000 | 4,014,000 | 3,913,000 |
| Total capital | 4,331,000 | 4,460,000 | 4,517,000 | 4,403,000 |
| Risk-weighted assets | 40,635,000 | 41,683,000 | 40,306,000 | 39,172,000 |