Call reports 2004
WENONA STATE BANK — 2004
What WENONA STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 27,991,000 | 27,324,000 | 26,716,000 | 27,199,000 |
| Total loans | 13,241,000 | 13,329,000 | 13,059,000 | 13,025,000 |
| Allowance for loan losses | 240,000 | 243,000 | 332,000 | 343,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 9,504,000 | 9,949,000 | 9,999,000 | 10,058,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,881,000 | 23,043,000 | 22,754,000 | 22,967,000 |
| Interest-bearing deposits | 21,482,000 | 20,245,000 | 20,081,000 | 19,822,000 |
| Noninterest-bearing deposits | 2,399,000 | 2,798,000 | 2,673,000 | 3,145,000 |
| Equity capital | 4,003,000 | 4,088,000 | 3,732,000 | 4,098,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 354,000 | 695,000 | 1,040,000 | 1,360,000 |
| Interest expense | 87,000 | 171,000 | 263,000 | 349,000 |
| Net interest income | 267,000 | 524,000 | 777,000 | 1,011,000 |
| Noninterest income | 28,000 | 49,000 | 83,000 | 105,000 |
| Noninterest expense | 190,000 | 361,000 | 827,000 | 760,000 |
| Provision for loan losses | 9,000 | 18,000 | 141,000 | 151,000 |
| Pretax income | 96,000 | 194,000 | -108,000 | 205,000 |
| Income tax | -25,000 | -12,000 | 42,000 | -11,000 |
| Net income | 121,000 | 206,000 | -150,000 | 216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,003,000 | 4,088,000 | 3,732,000 | 4,098,000 |
| Total capital | 4,240,000 | 4,277,000 | 3,916,000 | 4,293,000 |
| Risk-weighted assets | 19,389,000 | 15,107,000 | 14,595,000 | 15,444,000 |