Call reports 2008
COMMERCIAL STATE BANK OF WAGNER — 2008
What COMMERCIAL STATE BANK OF WAGNER reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 117,264,000 | 112,625,000 | 115,257,000 | 116,346,000 |
| Total loans | 58,550,000 | 59,550,000 | 62,223,000 | 66,520,000 |
| Allowance for loan losses | 1,050,000 | 1,075,000 | 1,125,000 | 1,170,000 |
| Securities available for sale | 39,478,000 | 41,214,000 | 41,105,000 | 37,876,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,250,000 | 93,012,000 | 88,473,000 | 88,437,000 |
| Interest-bearing deposits | 88,118,000 | 82,987,000 | 79,290,000 | 76,299,000 |
| Noninterest-bearing deposits | 10,132,000 | 10,025,000 | 9,183,000 | 12,138,000 |
| Equity capital | 16,950,000 | 16,924,000 | 16,876,000 | 13,795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,865,000 | 3,720,000 | 5,548,000 | 7,435,000 |
| Interest expense | 733,000 | 1,403,000 | 1,989,000 | 2,541,000 |
| Net interest income | 1,132,000 | 2,317,000 | 3,559,000 | 4,894,000 |
| Noninterest income | 134,000 | 274,000 | 410,000 | 623,000 |
| Noninterest expense | 604,000 | 1,237,000 | 1,775,000 | 2,461,000 |
| Provision for loan losses | 66,000 | 155,000 | 257,000 | 312,000 |
| Pretax income | 596,000 | 1,199,000 | 1,937,000 | 2,744,000 |
| Income tax | 165,000 | 328,000 | 542,000 | 717,000 |
| Net income | 431,000 | 871,000 | 1,395,000 | 2,027,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,477,000 | 16,918,000 | 16,841,000 | 13,677,000 |
| Total capital | 17,414,000 | 17,871,000 | 17,825,000 | 14,699,000 |
| Risk-weighted assets | 74,826,000 | 76,098,000 | 78,552,000 | 81,604,000 |