Call reports 2005
FIRST NATIONAL BANK OF WAVERLY, THE — 2005
What FIRST NATIONAL BANK OF WAVERLY, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 150,347,000 | 139,705,000 | 138,513,000 | 136,353,000 |
| Total loans | 77,045,000 | 74,392,000 | 73,438,000 | 71,889,000 |
| Allowance for loan losses | 1,007,000 | 994,000 | 873,000 | 877,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 50,814,000 | 46,279,000 | 44,308,000 | 39,716,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,357,000 | 124,825,000 | 123,567,000 | 121,361,000 |
| Interest-bearing deposits | 113,235,000 | 102,132,000 | 100,812,000 | 98,236,000 |
| Noninterest-bearing deposits | 22,122,000 | 22,693,000 | 22,755,000 | 23,125,000 |
| Equity capital | 14,028,000 | 13,874,000 | 13,911,000 | 13,932,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,723,000 | 3,346,000 | 4,979,000 | 6,662,000 |
| Interest expense | 514,000 | 1,008,000 | 1,497,000 | 1,988,000 |
| Net interest income | 1,209,000 | 2,338,000 | 3,482,000 | 4,674,000 |
| Noninterest income | 186,000 | 426,000 | 665,000 | 879,000 |
| Noninterest expense | 1,037,000 | 2,094,000 | 3,146,000 | 4,097,000 |
| Provision for loan losses | 52,000 | 77,000 | 192,000 | 222,000 |
| Pretax income | 306,000 | 593,000 | 809,000 | 1,234,000 |
| Income tax | 0 | 100,000 | -61,000 | 4,000 |
| Net income | 306,000 | 493,000 | 870,000 | 1,230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,028,000 | 13,874,000 | 13,911,000 | 13,932,000 |
| Total capital | 15,035,000 | 14,868,000 | 14,784,000 | 14,809,000 |
| Risk-weighted assets | 86,813,000 | 83,683,000 | 82,275,000 | 80,202,000 |