Call reports 2016
COMMERCIAL STATE BANK OF WAGNER — 2016
What COMMERCIAL STATE BANK OF WAGNER reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 152,315,000 | 150,777,000 | 155,644,000 | 155,117,000 |
| Total loans | 97,564,000 | 96,076,000 | 100,477,000 | 103,290,000 |
| Allowance for loan losses | 1,200,000 | 1,250,000 | 1,400,000 | 1,400,000 |
| Securities available for sale | 45,267,000 | 46,143,000 | 45,112,000 | 43,441,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,603,000 | 128,866,000 | 129,652,000 | 132,567,000 |
| Interest-bearing deposits | 110,799,000 | 112,511,000 | 113,495,000 | 115,223,000 |
| Noninterest-bearing deposits | 18,804,000 | 16,355,000 | 16,157,000 | 17,344,000 |
| Equity capital | 17,251,000 | 17,725,000 | 17,532,000 | 16,530,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,809,000 | 3,658,000 | 5,502,000 | 7,399,000 |
| Interest expense | 139,000 | 285,000 | 445,000 | 616,000 |
| Net interest income | 1,670,000 | 3,373,000 | 5,057,000 | 6,783,000 |
| Noninterest income | 258,000 | 396,000 | 550,000 | 698,000 |
| Noninterest expense | 792,000 | 1,548,000 | 2,312,000 | 3,153,000 |
| Provision for loan losses | -9,000 | 69,000 | 447,000 | 294,000 |
| Pretax income | 1,152,000 | 2,170,000 | 2,883,000 | 3,885,000 |
| Income tax | 43,000 | 86,000 | 117,000 | 174,000 |
| Net income | 1,109,000 | 2,084,000 | 2,766,000 | 3,711,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,359,000 | 16,585,000 | 16,517,000 | 16,711,000 |
| Total capital | 17,559,000 | 17,835,000 | 17,864,000 | 18,094,000 |
| Risk-weighted assets | 105,463,000 | 101,787,000 | 107,715,000 | 110,702,000 |