Call reports 2011
FIRST NATIONAL BANK OF WAVERLY, THE — 2011
What FIRST NATIONAL BANK OF WAVERLY, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 153,659,000 | 151,558,000 | 150,153,000 | 152,529,000 |
| Total loans | 92,078,000 | 91,984,000 | 91,490,000 | 89,441,000 |
| Allowance for loan losses | 697,000 | 682,000 | 741,000 | 708,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 30,260,000 | 29,112,000 | 18,964,000 | 16,093,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,928,000 | 134,715,000 | 133,089,000 | 135,245,000 |
| Interest-bearing deposits | 108,451,000 | 106,921,000 | 106,501,000 | 107,055,000 |
| Noninterest-bearing deposits | 28,477,000 | 27,794,000 | 26,588,000 | 28,190,000 |
| Equity capital | 14,621,000 | 14,693,000 | 14,846,000 | 14,951,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,593,000 | 3,203,000 | 4,726,000 | 6,099,000 |
| Interest expense | 189,000 | 371,000 | 540,000 | 679,000 |
| Net interest income | 1,404,000 | 2,832,000 | 4,186,000 | 5,420,000 |
| Noninterest income | 266,000 | 488,000 | 716,000 | 1,019,000 |
| Noninterest expense | 1,187,000 | 2,329,000 | 3,354,000 | 4,348,000 |
| Provision for loan losses | 115,000 | 115,000 | 131,000 | 131,000 |
| Pretax income | 368,000 | 876,000 | 1,417,000 | 1,960,000 |
| Income tax | 51,000 | 237,000 | 375,000 | 513,000 |
| Net income | 317,000 | 639,000 | 1,042,000 | 1,447,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,806,000 | 13,878,000 | 14,031,000 | 14,136,000 |
| Total capital | 14,503,000 | 14,560,000 | 14,772,000 | 14,844,000 |
| Risk-weighted assets | 100,676,000 | 100,374,000 | 98,690,000 | 95,279,000 |