Call reports 2005
WENONA STATE BANK — 2005
What WENONA STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 26,564,000 | 26,168,000 | 25,248,000 | 26,170,000 |
| Total loans | 11,823,000 | 11,721,000 | 11,716,000 | 10,359,000 |
| Allowance for loan losses | 311,000 | 387,000 | 388,000 | 326,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,988,000 | 10,758,000 | 11,059,000 | 10,988,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,280,000 | 21,805,000 | 20,807,000 | 21,738,000 |
| Interest-bearing deposits | 19,275,000 | 18,688,000 | 18,011,000 | 18,437,000 |
| Noninterest-bearing deposits | 3,005,000 | 3,117,000 | 2,796,000 | 3,301,000 |
| Equity capital | 4,156,000 | 4,214,000 | 4,266,000 | 4,371,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 331,000 | 631,000 | 968,000 | 1,308,000 |
| Interest expense | 85,000 | 173,000 | 262,000 | 359,000 |
| Net interest income | 246,000 | 458,000 | 706,000 | 949,000 |
| Noninterest income | 27,000 | 78,000 | 99,000 | 127,000 |
| Noninterest expense | 202,000 | 395,000 | 604,000 | 813,000 |
| Provision for loan losses | 13,000 | 13,000 | 13,000 | -27,000 |
| Pretax income | 58,000 | 128,000 | 188,000 | 290,000 |
| Income tax | 0 | 12,000 | 20,000 | 16,000 |
| Net income | 58,000 | 116,000 | 168,000 | 274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,156,000 | 4,214,000 | 4,266,000 | 4,371,000 |
| Total capital | 4,331,000 | 4,395,000 | 4,515,000 | 4,532,000 |
| Risk-weighted assets | 13,893,000 | 14,308,000 | 19,769,000 | 12,751,000 |