Call reports 2004
COMMERCIAL STATE BANK OF WAGNER — 2004
What COMMERCIAL STATE BANK OF WAGNER 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 | 104,735,000 | 101,552,000 | 102,389,000 | 103,276,000 |
| Total loans | 47,406,000 | 47,572,000 | 47,368,000 | 47,947,000 |
| Allowance for loan losses | 1,350,000 | 1,200,000 | 1,200,000 | 1,150,000 |
| Securities available for sale | 43,521,000 | 44,588,000 | 45,059,000 | 43,955,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,436,000 | 82,543,000 | 79,404,000 | 81,768,000 |
| Interest-bearing deposits | 79,116,000 | 75,678,000 | 72,781,000 | 74,649,000 |
| Noninterest-bearing deposits | 7,320,000 | 6,865,000 | 6,623,000 | 7,119,000 |
| Equity capital | 15,250,000 | 15,010,000 | 15,287,000 | 15,587,000 |
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 | 1,470,000 | 2,938,000 | 4,378,000 | 5,819,000 |
| Interest expense | 412,000 | 816,000 | 1,216,000 | 1,624,000 |
| Net interest income | 1,058,000 | 2,122,000 | 3,162,000 | 4,195,000 |
| Noninterest income | 127,000 | 233,000 | 348,000 | 560,000 |
| Noninterest expense | 601,000 | 1,142,000 | 1,691,000 | 2,306,000 |
| Provision for loan losses | -12,000 | -176,000 | -148,000 | -110,000 |
| Pretax income | 597,000 | 1,393,000 | 1,971,000 | 2,563,000 |
| Income tax | 170,000 | 400,000 | 558,000 | 632,000 |
| Net income | 427,000 | 993,000 | 1,413,000 | 1,931,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,331,000 | 14,896,000 | 14,717,000 | 15,235,000 |
| Total capital | 15,172,000 | 15,697,000 | 15,509,000 | 16,032,000 |
| Risk-weighted assets | 66,776,000 | 63,691,000 | 63,361,000 | 63,422,000 |