Call reports 2015
COMMERCIAL STATE BANK OF WAGNER — 2015
What COMMERCIAL STATE BANK OF WAGNER reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 150,734,000 | 146,720,000 | 147,177,000 | 149,682,000 |
| Total loans | 88,363,000 | 85,703,000 | 88,832,000 | 94,375,000 |
| Allowance for loan losses | 1,200,000 | 1,200,000 | 1,200,000 | 1,200,000 |
| Securities available for sale | 45,612,000 | 47,190,000 | 46,815,000 | 43,774,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,366,000 | 128,682,000 | 124,517,000 | 122,969,000 |
| Interest-bearing deposits | 111,802,000 | 111,839,000 | 107,740,000 | 106,061,000 |
| Noninterest-bearing deposits | 20,564,000 | 16,843,000 | 16,777,000 | 16,908,000 |
| Equity capital | 16,062,000 | 16,605,000 | 15,966,000 | 16,795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,727,000 | 3,425,000 | 5,164,000 | 6,917,000 |
| Interest expense | 125,000 | 262,000 | 400,000 | 539,000 |
| Net interest income | 1,602,000 | 3,163,000 | 4,764,000 | 6,378,000 |
| Noninterest income | 157,000 | 274,000 | 401,000 | 520,000 |
| Noninterest expense | 802,000 | 1,476,000 | 2,098,000 | 2,917,000 |
| Provision for loan losses | 41,000 | 81,000 | 209,000 | 206,000 |
| Pretax income | 916,000 | 1,880,000 | 2,858,000 | 3,775,000 |
| Income tax | 37,000 | 78,000 | 119,000 | 157,000 |
| Net income | 879,000 | 1,802,000 | 2,739,000 | 3,618,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,062,000 | 15,985,000 | 15,122,000 | 16,001,000 |
| Total capital | 16,262,000 | 17,185,000 | 16,322,000 | 17,201,000 |
| Risk-weighted assets | 97,655,000 | 97,832,000 | 98,459,000 | 102,440,000 |