Call reports 2010
WAHOO STATE BANK — 2010
What WAHOO STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 58,259,000 | 60,962,000 | 58,787,000 | 61,587,000 |
| Total loans | 45,207,000 | 44,579,000 | 42,236,000 | 41,244,000 |
| Allowance for loan losses | 574,000 | 510,000 | 550,000 | 614,000 |
| Securities available for sale | 1,572,000 | 1,676,000 | 1,338,000 | 3,737,000 |
| Securities held to maturity | 980,000 | 740,000 | 1,270,000 | 1,270,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,956,000 | 49,597,000 | 48,317,000 | 50,848,000 |
| Interest-bearing deposits | 40,570,000 | 41,580,000 | 41,509,000 | 41,608,000 |
| Noninterest-bearing deposits | 6,386,000 | 8,017,000 | 6,808,000 | 9,240,000 |
| Equity capital | 4,094,000 | 4,082,000 | 4,088,000 | 4,371,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 753,000 | 1,498,000 | 2,227,000 | 2,922,000 |
| Interest expense | 185,000 | 359,000 | 539,000 | 701,000 |
| Net interest income | 568,000 | 1,139,000 | 1,688,000 | 2,221,000 |
| Noninterest income | 83,000 | 175,000 | 286,000 | 816,000 |
| Noninterest expense | 465,000 | 952,000 | 1,453,000 | 2,147,000 |
| Provision for loan losses | 20,000 | 80,000 | 120,000 | 190,000 |
| Pretax income | 166,000 | 282,000 | 401,000 | 700,000 |
| Income tax | 7,000 | 11,000 | 16,000 | 20,000 |
| Net income | 159,000 | 271,000 | 385,000 | 680,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,062,000 | 4,037,000 | 4,044,000 | 4,339,000 |
| Total capital | 4,545,000 | 4,508,000 | 4,496,000 | 4,785,000 |
| Risk-weighted assets | 38,591,000 | 38,121,000 | 36,046,000 | 35,534,000 |