Call reports 2014
WAHOO STATE BANK — 2014
What WAHOO STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 66,535,000 | 64,531,000 | 67,812,000 | 66,635,000 |
| Total loans | 45,601,000 | 42,668,000 | 41,937,000 | 41,081,000 |
| Allowance for loan losses | 545,000 | 562,000 | 534,000 | 544,000 |
| Securities available for sale | 9,919,000 | 9,456,000 | 8,903,000 | 9,106,000 |
| Securities held to maturity | 2,295,000 | 2,295,000 | 2,210,000 | 1,985,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,525,000 | 56,923,000 | 60,312,000 | 59,126,000 |
| Interest-bearing deposits | 46,657,000 | 47,530,000 | 50,346,000 | 48,486,000 |
| Noninterest-bearing deposits | 9,868,000 | 9,393,000 | 9,966,000 | 10,640,000 |
| Equity capital | 5,074,000 | 5,159,000 | 5,063,000 | 5,058,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 620,000 | 1,271,000 | 1,867,000 | 2,466,000 |
| Interest expense | 60,000 | 113,000 | 155,000 | 195,000 |
| Net interest income | 560,000 | 1,158,000 | 1,712,000 | 2,271,000 |
| Noninterest income | 91,000 | 204,000 | 310,000 | 412,000 |
| Noninterest expense | 541,000 | 1,094,000 | 1,633,000 | 2,179,000 |
| Provision for loan losses | 14,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 96,000 | 238,000 | 344,000 | 444,000 |
| Income tax | 4,000 | 9,000 | 13,000 | 17,000 |
| Net income | 92,000 | 229,000 | 331,000 | 427,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,057,000 | 5,126,000 | 5,041,000 | 4,993,000 |
| Total capital | 5,602,000 | 5,688,000 | 5,575,000 | 5,537,000 |
| Risk-weighted assets | 46,670,000 | 45,113,000 | 44,390,000 | 43,714,000 |