Call reports 2012
WAHOO STATE BANK — 2012
What WAHOO STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 65,866,000 | 67,757,000 | 65,832,000 | 67,850,000 |
| Total loans | 42,695,000 | 44,788,000 | 43,281,000 | 43,247,000 |
| Allowance for loan losses | 508,000 | 523,000 | 538,000 | 533,000 |
| Securities available for sale | 6,040,000 | 6,048,000 | 6,178,000 | 5,937,000 |
| Securities held to maturity | 1,140,000 | 1,095,000 | 1,355,000 | 1,495,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,708,000 | 55,462,000 | 54,432,000 | 56,788,000 |
| Interest-bearing deposits | 42,873,000 | 43,787,000 | 46,406,000 | 47,256,000 |
| Noninterest-bearing deposits | 10,835,000 | 11,675,000 | 8,026,000 | 9,532,000 |
| Equity capital | 4,821,000 | 4,980,000 | 5,137,000 | 4,964,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 666,000 | 1,353,000 | 2,009,000 | 2,676,000 |
| Interest expense | 107,000 | 216,000 | 318,000 | 413,000 |
| Net interest income | 559,000 | 1,137,000 | 1,691,000 | 2,263,000 |
| Noninterest income | 99,000 | 217,000 | 349,000 | 458,000 |
| Noninterest expense | 498,000 | 1,021,000 | 1,536,000 | 2,110,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 145,000 | 303,000 | 459,000 | 551,000 |
| Income tax | 6,000 | 9,000 | 15,000 | 19,000 |
| Net income | 139,000 | 294,000 | 444,000 | 532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,749,000 | 4,904,000 | 5,039,000 | 4,850,000 |
| Total capital | 5,209,000 | 5,382,000 | 5,501,000 | 5,383,000 |
| Risk-weighted assets | 36,761,000 | 38,241,000 | 36,923,000 | 43,095,000 |