Call reports 2009
FIRST NATIONAL BANK OF WAVERLY, THE — 2009
What FIRST NATIONAL BANK OF WAVERLY, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 140,741,000 | 133,634,000 | 147,286,000 | 148,464,000 |
| Total loans | 87,224,000 | 87,473,000 | 89,234,000 | 94,614,000 |
| Allowance for loan losses | 674,000 | 674,000 | 674,000 | 709,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 17,904,000 | 18,832,000 | 15,687,000 | 15,143,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,455,000 | 117,308,000 | 131,000,000 | 131,869,000 |
| Interest-bearing deposits | 96,047,000 | 91,074,000 | 104,757,000 | 104,148,000 |
| Noninterest-bearing deposits | 28,408,000 | 26,234,000 | 26,243,000 | 27,721,000 |
| Equity capital | 14,630,000 | 14,588,000 | 14,533,000 | 14,542,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,600,000 | 3,107,000 | 4,627,000 | 6,206,000 |
| Interest expense | 396,000 | 774,000 | 1,188,000 | 1,614,000 |
| Net interest income | 1,204,000 | 2,333,000 | 3,439,000 | 4,592,000 |
| Noninterest income | 239,000 | 501,000 | 773,000 | 1,054,000 |
| Noninterest expense | 1,149,000 | 2,286,000 | 3,416,000 | 4,583,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 25,000 |
| Pretax income | 294,000 | 548,000 | 771,000 | 1,038,000 |
| Income tax | -33,000 | -77,000 | -139,000 | -183,000 |
| Net income | 327,000 | 625,000 | 910,000 | 1,221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,630,000 | 14,588,000 | 14,533,000 | 14,542,000 |
| Total capital | 15,304,000 | 15,262,000 | 15,207,000 | 15,251,000 |
| Risk-weighted assets | 92,681,000 | 93,614,000 | 95,749,000 | 100,885,000 |