Call reports 2003
COMMERCIAL STATE BANK OF WAGNER — 2003
What COMMERCIAL STATE BANK OF WAGNER reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 100,652,000 | 98,982,000 | 99,903,000 | 102,730,000 |
| Total loans | 47,507,000 | 47,043,000 | 47,796,000 | 48,891,000 |
| Allowance for loan losses | 1,450,000 | 1,400,000 | 1,400,000 | 1,350,000 |
| Securities available for sale | 41,231,000 | 44,154,000 | 42,930,000 | 44,439,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,721,000 | 81,851,000 | 83,829,000 | 84,870,000 |
| Interest-bearing deposits | 77,715,000 | 75,658,000 | 77,140,000 | 77,572,000 |
| Noninterest-bearing deposits | 6,006,000 | 6,193,000 | 6,689,000 | 7,298,000 |
| Equity capital | 14,626,000 | 15,390,000 | 14,751,000 | 15,432,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,517,000 | 2,985,000 | 4,473,000 | 5,958,000 |
| Interest expense | 495,000 | 939,000 | 1,355,000 | 1,760,000 |
| Net interest income | 1,022,000 | 2,046,000 | 3,118,000 | 4,198,000 |
| Noninterest income | 103,000 | 196,000 | 289,000 | 602,000 |
| Noninterest expense | 582,000 | 1,167,000 | 1,704,000 | 2,312,000 |
| Provision for loan losses | -49,000 | -146,000 | -128,000 | -157,000 |
| Pretax income | 594,000 | 1,223,000 | 1,837,000 | 2,638,000 |
| Income tax | 163,000 | 339,000 | 539,000 | 639,000 |
| Net income | 431,000 | 884,000 | 1,298,000 | 1,999,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,726,000 | 14,180,000 | 13,994,000 | 14,695,000 |
| Total capital | 14,567,000 | 14,991,000 | 14,809,000 | 15,527,000 |
| Risk-weighted assets | 66,683,000 | 64,284,000 | 64,605,000 | 66,019,000 |