Call reports 2013
WAHOO STATE BANK — 2013
What WAHOO STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 63,641,000 | 68,738,000 | 68,643,000 | 68,981,000 |
| Total loans | 43,394,000 | 42,468,000 | 41,508,000 | 43,482,000 |
| Allowance for loan losses | 548,000 | 505,000 | 519,000 | 531,000 |
| Securities available for sale | 7,923,000 | 7,926,000 | 9,919,000 | 10,432,000 |
| Securities held to maturity | 2,095,000 | 2,095,000 | 2,295,000 | 2,295,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,500,000 | 58,354,000 | 58,457,000 | 59,052,000 |
| Interest-bearing deposits | 45,315,000 | 49,762,000 | 48,892,000 | 47,047,000 |
| Noninterest-bearing deposits | 8,185,000 | 8,592,000 | 9,565,000 | 12,005,000 |
| Equity capital | 5,058,000 | 5,118,000 | 5,096,000 | 4,965,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 612,000 | 1,235,000 | 1,826,000 | 2,437,000 |
| Interest expense | 81,000 | 155,000 | 225,000 | 291,000 |
| Net interest income | 531,000 | 1,080,000 | 1,601,000 | 2,146,000 |
| Noninterest income | 99,000 | 206,000 | 297,000 | 406,000 |
| Noninterest expense | 510,000 | 1,053,000 | 1,596,000 | 2,140,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 59,000 |
| Pretax income | 105,000 | 203,000 | 257,000 | 353,000 |
| Income tax | 4,000 | 8,000 | 11,000 | 13,000 |
| Net income | 101,000 | 195,000 | 246,000 | 340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,951,000 | 5,045,000 | 5,096,000 | 4,964,000 |
| Total capital | 5,494,000 | 5,550,000 | 5,615,000 | 5,495,000 |
| Risk-weighted assets | 43,505,000 | 43,505,000 | 42,676,000 | 44,967,000 |
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