Call reports 2004
FIRST NATIONAL BANK OF WAVERLY, THE — 2004
What FIRST NATIONAL BANK OF WAVERLY, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 162,657,000 | 162,998,000 | 160,521,000 | 154,174,000 |
| Total loans | 83,096,000 | 82,958,000 | 83,033,000 | 81,836,000 |
| Allowance for loan losses | 1,009,000 | 851,000 | 835,000 | 1,103,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 43,618,000 | 51,508,000 | 50,439,000 | 49,362,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,253,000 | 148,509,000 | 145,403,000 | 139,127,000 |
| Interest-bearing deposits | 120,103,000 | 120,245,000 | 117,738,000 | 114,326,000 |
| Noninterest-bearing deposits | 28,150,000 | 28,264,000 | 27,665,000 | 24,801,000 |
| Equity capital | 14,158,000 | 14,224,000 | 14,180,000 | 14,062,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,751,000 | 3,640,000 | 5,413,000 | 7,183,000 |
| Interest expense | 544,000 | 1,086,000 | 1,576,000 | 2,136,000 |
| Net interest income | 1,207,000 | 2,554,000 | 3,837,000 | 5,047,000 |
| Noninterest income | 185,000 | 377,000 | 575,000 | 770,000 |
| Noninterest expense | 944,000 | 2,015,000 | 3,116,000 | 4,005,000 |
| Provision for loan losses | 40,000 | 102,000 | 137,000 | 432,000 |
| Pretax income | 408,000 | 814,000 | 1,159,000 | 1,380,000 |
| Income tax | 73,000 | 73,000 | 122,000 | 122,000 |
| Net income | 335,000 | 741,000 | 1,037,000 | 1,258,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,158,000 | 14,224,000 | 14,180,000 | 14,062,000 |
| Total capital | 15,167,000 | 15,075,000 | 15,015,000 | 15,166,000 |
| Risk-weighted assets | 94,709,000 | 90,956,000 | 91,462,000 | 89,416,000 |