Call reports 2009
COMMERCIAL STATE BANK OF WAGNER — 2009
What COMMERCIAL STATE BANK OF WAGNER reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 114,615,000 | 117,425,000 | 116,054,000 | 119,346,000 |
| Total loans | 68,001,000 | 67,557,000 | 69,950,000 | 72,497,000 |
| Allowance for loan losses | 1,210,000 | 1,210,000 | 1,000,000 | 1,000,000 |
| Securities available for sale | 36,374,000 | 36,370,000 | 36,129,000 | 35,780,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,014,000 | 104,548,000 | 96,309,000 | 102,051,000 |
| Interest-bearing deposits | 87,447,000 | 95,098,000 | 88,269,000 | 92,003,000 |
| Noninterest-bearing deposits | 10,567,000 | 9,450,000 | 8,040,000 | 10,048,000 |
| Equity capital | 11,214,000 | 11,405,000 | 11,959,000 | 12,392,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,780,000 | 3,476,000 | 5,257,000 | 7,018,000 |
| Interest expense | 491,000 | 988,000 | 1,466,000 | 1,922,000 |
| Net interest income | 1,289,000 | 2,488,000 | 3,791,000 | 5,096,000 |
| Noninterest income | 131,000 | 282,000 | 425,000 | 673,000 |
| Noninterest expense | 666,000 | 1,605,000 | 2,197,000 | 2,990,000 |
| Provision for loan losses | 41,000 | 162,000 | 8,000 | 19,000 |
| Pretax income | 713,000 | 1,003,000 | 2,011,000 | 2,760,000 |
| Income tax | 348,000 | 330,000 | 374,000 | 418,000 |
| Net income | 365,000 | 673,000 | 1,637,000 | 2,342,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,882,000 | 11,190,000 | 11,247,000 | 11,952,000 |
| Total capital | 11,959,000 | 12,213,000 | 12,247,000 | 12,952,000 |
| Risk-weighted assets | 86,065,000 | 81,644,000 | 83,349,000 | 85,917,000 |