Call reports 2006
FIRST NATIONAL BANK OF WAVERLY, THE — 2006
What FIRST NATIONAL BANK OF WAVERLY, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 140,943,000 | 138,247,000 | 136,630,000 | 137,438,000 |
| Total loans | 74,252,000 | 74,819,000 | 75,874,000 | 76,956,000 |
| Allowance for loan losses | 881,000 | 835,000 | 840,000 | 861,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 37,068,000 | 34,797,000 | 35,564,000 | 30,170,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,011,000 | 123,299,000 | 121,712,000 | 121,888,000 |
| Interest-bearing deposits | 101,681,000 | 97,466,000 | 96,278,000 | 95,067,000 |
| Noninterest-bearing deposits | 24,330,000 | 25,833,000 | 25,434,000 | 26,821,000 |
| Equity capital | 13,873,000 | 13,852,000 | 13,793,000 | 14,339,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,670,000 | 3,370,000 | 5,136,000 | 6,897,000 |
| Interest expense | 472,000 | 954,000 | 1,447,000 | 1,946,000 |
| Net interest income | 1,198,000 | 2,416,000 | 3,689,000 | 4,951,000 |
| Noninterest income | 251,000 | 456,000 | 635,000 | 845,000 |
| Noninterest expense | 1,087,000 | 2,057,000 | 3,126,000 | 4,171,000 |
| Provision for loan losses | 40,000 | 63,000 | 73,000 | 83,000 |
| Pretax income | 322,000 | 752,000 | 1,125,000 | 1,542,000 |
| Income tax | 40,000 | 151,000 | 243,000 | -226,000 |
| Net income | 282,000 | 601,000 | 882,000 | 1,768,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,873,000 | 13,852,000 | 13,793,000 | 14,339,000 |
| Total capital | 14,754,000 | 14,687,000 | 14,633,000 | 15,200,000 |
| Risk-weighted assets | 82,819,000 | 82,955,000 | 83,676,000 | 82,467,000 |