Call reports 2007
FIRST NATIONAL BANK OF WAVERLY, THE — 2007
What FIRST NATIONAL BANK OF WAVERLY, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 135,719,000 | 133,137,000 | 130,103,000 | 132,475,000 |
| Total loans | 77,470,000 | 78,689,000 | 85,529,000 | 85,789,000 |
| Allowance for loan losses | 861,000 | 872,000 | 879,000 | 875,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 31,369,000 | 24,788,000 | 22,135,000 | 21,792,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,230,000 | 117,456,000 | 114,274,000 | 116,483,000 |
| Interest-bearing deposits | 95,671,000 | 90,761,000 | 92,270,000 | 93,701,000 |
| Noninterest-bearing deposits | 24,559,000 | 26,695,000 | 22,004,000 | 22,782,000 |
| Equity capital | 14,263,000 | 14,421,000 | 14,457,000 | 14,566,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,822,000 | 3,639,000 | 5,510,000 | 7,376,000 |
| Interest expense | 541,000 | 1,103,000 | 1,674,000 | 2,273,000 |
| Net interest income | 1,281,000 | 2,536,000 | 3,836,000 | 5,103,000 |
| Noninterest income | 216,000 | 502,000 | 745,000 | 1,000,000 |
| Noninterest expense | 1,207,000 | 2,292,000 | 3,454,000 | 4,505,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 290,000 | 746,000 | 1,127,000 | 1,598,000 |
| Income tax | 26,000 | -16,000 | -11,000 | 12,000 |
| Net income | 264,000 | 762,000 | 1,138,000 | 1,586,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,263,000 | 14,421,000 | 14,457,000 | 14,566,000 |
| Total capital | 15,124,000 | 15,293,000 | 15,336,000 | 15,441,000 |
| Risk-weighted assets | 82,863,000 | 84,782,000 | 89,515,000 | 89,290,000 |