Call reports 2002
FIRST NATIONAL BANK OF WAVERLY, THE — 2002
What FIRST NATIONAL BANK OF WAVERLY, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 157,084,000 | 150,244,000 | 151,043,000 | 146,457,000 |
| Total loans | 101,720,000 | 100,421,000 | 101,061,000 | 100,377,000 |
| Allowance for loan losses | 1,134,000 | 1,185,000 | 1,227,000 | 1,311,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 35,107,000 | 33,735,000 | 30,165,000 | 22,133,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,808,000 | 136,756,000 | 137,139,000 | 132,509,000 |
| Interest-bearing deposits | 114,562,000 | 114,149,000 | 113,922,000 | 108,791,000 |
| Noninterest-bearing deposits | 22,246,000 | 22,607,000 | 23,217,000 | 23,718,000 |
| Equity capital | 12,950,000 | 13,155,000 | 13,557,000 | 13,551,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,469,000 | 4,778,000 | 7,077,000 | 9,325,000 |
| Interest expense | 800,000 | 1,465,000 | 2,148,000 | 2,765,000 |
| Net interest income | 1,669,000 | 3,313,000 | 4,929,000 | 6,560,000 |
| Noninterest income | 204,000 | 422,000 | 638,000 | 891,000 |
| Noninterest expense | 952,000 | 1,931,000 | 2,941,000 | 4,191,000 |
| Provision for loan losses | 126,000 | 271,000 | 331,000 | 531,000 |
| Pretax income | 795,000 | 1,533,000 | 2,295,000 | 2,729,000 |
| Income tax | 218,000 | 421,000 | 451,000 | 556,000 |
| Net income | 577,000 | 1,112,000 | 1,844,000 | 2,173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,950,000 | 13,155,000 | 13,557,000 | 13,551,000 |
| Total capital | 14,084,000 | 14,340,000 | 14,777,000 | 14,746,000 |
| Risk-weighted assets | 99,937,000 | 96,932,000 | 97,627,000 | 95,470,000 |