Call reports 2003
FIRST NATIONAL BANK OF WAVERLY, THE — 2003
What FIRST NATIONAL BANK OF WAVERLY, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 152,559,000 | 151,516,000 | 152,905,000 | 158,847,000 |
| Total loans | 97,786,000 | 94,755,000 | 90,696,000 | 84,591,000 |
| Allowance for loan losses | 1,372,000 | 1,426,000 | 703,000 | 1,003,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 24,024,000 | 23,647,000 | 25,626,000 | 34,575,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,372,000 | 137,148,000 | 138,509,000 | 144,397,000 |
| Interest-bearing deposits | 117,203,000 | 114,906,000 | 116,233,000 | 117,233,000 |
| Noninterest-bearing deposits | 21,169,000 | 22,242,000 | 22,276,000 | 27,164,000 |
| Equity capital | 13,874,000 | 14,056,000 | 14,103,000 | 14,163,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,156,000 | 4,149,000 | 6,111,000 | 7,966,000 |
| Interest expense | 548,000 | 1,114,000 | 1,678,000 | 2,232,000 |
| Net interest income | 1,608,000 | 3,035,000 | 4,433,000 | 5,734,000 |
| Noninterest income | 179,000 | 390,000 | 590,000 | 808,000 |
| Noninterest expense | 894,000 | 1,793,000 | 2,690,000 | 3,737,000 |
| Provision for loan losses | 65,000 | 140,000 | 235,000 | 610,000 |
| Pretax income | 828,000 | 1,492,000 | 2,098,000 | 2,195,000 |
| Income tax | 170,000 | 317,000 | 541,000 | 238,000 |
| Net income | 658,000 | 1,175,000 | 1,557,000 | 1,957,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,874,000 | 14,056,000 | 14,103,000 | 14,163,000 |
| Total capital | 15,071,000 | 15,239,000 | 14,806,000 | 15,166,000 |
| Risk-weighted assets | 95,599,000 | 94,375,000 | 92,715,000 | 94,566,000 |