Call reports 2007
COMMERCIAL STATE BANK OF WAGNER — 2007
What COMMERCIAL STATE BANK OF WAGNER reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 102,695,000 | 106,177,000 | 107,029,000 | 106,794,000 |
| Total loans | 54,348,000 | 55,991,000 | 57,170,000 | 58,514,000 |
| Allowance for loan losses | 1,000,000 | 1,000,000 | 1,010,000 | 1,025,000 |
| Securities available for sale | 37,001,000 | 41,319,000 | 40,138,000 | 37,900,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,806,000 | 87,747,000 | 85,601,000 | 85,161,000 |
| Interest-bearing deposits | 77,171,000 | 80,660,000 | 78,517,000 | 77,094,000 |
| Noninterest-bearing deposits | 7,634,000 | 7,087,000 | 7,084,000 | 8,067,000 |
| Equity capital | 15,756,000 | 16,004,000 | 16,141,000 | 16,924,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,706,000 | 3,506,000 | 5,389,000 | 7,282,000 |
| Interest expense | 696,000 | 1,425,000 | 2,184,000 | 2,944,000 |
| Net interest income | 1,010,000 | 2,081,000 | 3,205,000 | 4,338,000 |
| Noninterest income | 122,000 | 271,000 | 401,000 | 629,000 |
| Noninterest expense | 602,000 | 1,195,000 | 1,724,000 | 2,295,000 |
| Provision for loan losses | 7,000 | 4,000 | 62,000 | 80,000 |
| Pretax income | 512,000 | 1,142,000 | 1,812,000 | 2,586,000 |
| Income tax | 132,000 | 308,000 | 500,000 | 697,000 |
| Net income | 380,000 | 834,000 | 1,312,000 | 1,889,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,737,000 | 16,192,000 | 16,069,000 | 16,646,000 |
| Total capital | 16,592,000 | 17,074,000 | 16,971,000 | 17,555,000 |
| Risk-weighted assets | 68,262,000 | 70,419,000 | 72,045,000 | 72,577,000 |