Call reports 2014
COMMERCIAL STATE BANK OF WAGNER — 2014
What COMMERCIAL STATE BANK OF WAGNER reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 135,050,000 | 137,297,000 | 142,171,000 | 146,986,000 |
| Total loans | 78,951,000 | 80,267,000 | 83,452,000 | 90,177,000 |
| Allowance for loan losses | 1,000,000 | 1,000,000 | 1,000,000 | 1,200,000 |
| Securities available for sale | 43,549,000 | 44,370,000 | 46,161,000 | 43,797,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,110,000 | 118,531,000 | 117,847,000 | 116,927,000 |
| Interest-bearing deposits | 102,180,000 | 100,994,000 | 100,766,000 | 99,019,000 |
| Noninterest-bearing deposits | 16,930,000 | 17,537,000 | 17,081,000 | 17,908,000 |
| Equity capital | 15,133,000 | 16,277,000 | 15,451,000 | 16,135,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,602,000 | 3,213,000 | 4,868,000 | 6,701,000 |
| Interest expense | 104,000 | 203,000 | 307,000 | 419,000 |
| Net interest income | 1,498,000 | 3,010,000 | 4,561,000 | 6,282,000 |
| Noninterest income | 167,000 | 295,000 | 419,000 | 551,000 |
| Noninterest expense | 725,000 | 1,391,000 | 2,061,000 | 2,879,000 |
| Provision for loan losses | -38,000 | -44,000 | 52,000 | 367,000 |
| Pretax income | 978,000 | 1,958,000 | 2,867,000 | 3,587,000 |
| Income tax | 40,000 | 85,000 | 119,000 | 163,000 |
| Net income | 938,000 | 1,873,000 | 2,748,000 | 3,424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,697,000 | 15,633,000 | 14,708,000 | 15,383,000 |
| Total capital | 15,697,000 | 16,633,000 | 15,708,000 | 16,583,000 |
| Risk-weighted assets | 87,673,000 | 88,310,000 | 91,973,000 | 98,877,000 |