Call reports 2015
WAHOO STATE BANK — 2015
What WAHOO STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 68,058,000 | 68,620,000 | 70,531,000 | 70,338,000 |
| Total loans | 42,266,000 | 42,659,000 | 42,656,000 | 44,652,000 |
| Allowance for loan losses | 562,000 | 577,000 | 592,000 | 600,000 |
| Securities available for sale | 12,190,000 | 12,194,000 | 13,748,000 | 14,024,000 |
| Securities held to maturity | 1,985,000 | 1,985,000 | 1,705,000 | 1,705,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,627,000 | 61,319,000 | 63,213,000 | 63,194,000 |
| Interest-bearing deposits | 49,303,000 | 50,195,000 | 50,367,000 | 50,857,000 |
| Noninterest-bearing deposits | 11,324,000 | 11,124,000 | 12,846,000 | 12,337,000 |
| Equity capital | 5,142,000 | 5,028,000 | 5,057,000 | 5,013,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 603,000 | 1,197,000 | 1,780,000 | 2,395,000 |
| Interest expense | 40,000 | 79,000 | 118,000 | 157,000 |
| Net interest income | 563,000 | 1,118,000 | 1,662,000 | 2,238,000 |
| Noninterest income | 101,000 | 209,000 | 315,000 | 408,000 |
| Noninterest expense | 531,000 | 1,108,000 | 1,658,000 | 2,235,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 55,000 |
| Pretax income | 118,000 | 189,000 | 274,000 | 356,000 |
| Income tax | 5,000 | 7,000 | 10,000 | 14,000 |
| Net income | 113,000 | 182,000 | 264,000 | 342,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,057,000 | 5,016,000 | 4,998,000 | 5,013,000 |
| Total capital | 5,619,000 | 5,578,000 | 5,571,000 | 5,592,000 |
| Risk-weighted assets | 45,066,000 | 44,956,000 | 45,836,000 | 46,369,000 |