Call reports 2005
COMMERCIAL STATE BANK OF WAGNER — 2005
What COMMERCIAL STATE BANK OF WAGNER 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 | 101,864,000 | 99,797,000 | 98,184,000 | 100,457,000 |
| Total loans | 48,065,000 | 46,562,000 | 45,693,000 | 46,241,000 |
| Allowance for loan losses | 1,150,000 | 1,100,000 | 1,050,000 | 1,000,000 |
| Securities available for sale | 43,296,000 | 42,800,000 | 41,878,000 | 40,654,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,201,000 | 78,800,000 | 78,086,000 | 82,022,000 |
| Interest-bearing deposits | 74,374,000 | 72,004,000 | 71,157,000 | 73,599,000 |
| Noninterest-bearing deposits | 6,827,000 | 6,796,000 | 6,929,000 | 8,423,000 |
| Equity capital | 15,008,000 | 15,658,000 | 15,277,000 | 15,530,000 |
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 | 1,434,000 | 2,869,000 | 4,342,000 | 5,822,000 |
| Interest expense | 420,000 | 865,000 | 1,344,000 | 1,847,000 |
| Net interest income | 1,014,000 | 2,004,000 | 2,998,000 | 3,975,000 |
| Noninterest income | 130,000 | 229,000 | 326,000 | 491,000 |
| Noninterest expense | 635,000 | 1,252,000 | 1,829,000 | 2,363,000 |
| Provision for loan losses | -3,000 | -7,000 | -5,000 | 8,000 |
| Pretax income | 514,000 | 991,000 | 1,505,000 | 2,103,000 |
| Income tax | 145,000 | 253,000 | 386,000 | 522,000 |
| Net income | 369,000 | 738,000 | 1,119,000 | 1,581,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,005,000 | 15,373,000 | 15,154,000 | 15,616,000 |
| Total capital | 15,807,000 | 16,138,000 | 15,923,000 | 16,382,000 |
| Risk-weighted assets | 63,823,000 | 60,840,000 | 61,239,000 | 61,059,000 |