Call reports 2008
FIRST NATIONAL BANK OF WAVERLY, THE — 2008
What FIRST NATIONAL BANK OF WAVERLY, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 141,776,000 | 137,844,000 | 137,304,000 | 131,480,000 |
| Total loans | 84,063,000 | 83,872,000 | 83,012,000 | 84,857,000 |
| Allowance for loan losses | 839,000 | 853,000 | 821,000 | 681,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 23,859,000 | 20,073,000 | 24,625,000 | 23,235,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,755,000 | 121,712,000 | 121,118,000 | 115,198,000 |
| Interest-bearing deposits | 101,636,000 | 97,115,000 | 94,389,000 | 88,858,000 |
| Noninterest-bearing deposits | 24,119,000 | 24,597,000 | 26,729,000 | 26,340,000 |
| Equity capital | 14,536,000 | 14,551,000 | 14,603,000 | 14,643,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,781,000 | 3,476,000 | 5,158,000 | 6,816,000 |
| Interest expense | 614,000 | 1,187,000 | 1,722,000 | 2,175,000 |
| Net interest income | 1,167,000 | 2,289,000 | 3,436,000 | 4,641,000 |
| Noninterest income | 384,000 | 631,000 | 915,000 | 1,207,000 |
| Noninterest expense | 1,280,000 | 2,302,000 | 3,343,000 | 4,471,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 271,000 | 618,000 | 1,008,000 | 1,377,000 |
| Income tax | -40,000 | -47,000 | -50,000 | -61,000 |
| Net income | 311,000 | 665,000 | 1,058,000 | 1,438,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,536,000 | 14,551,000 | 14,603,000 | 14,643,000 |
| Total capital | 15,375,000 | 15,404,000 | 15,424,000 | 15,324,000 |
| Risk-weighted assets | 90,351,000 | 89,302,000 | 89,090,000 | 88,822,000 |