Call reports 2013
FIRST NATIONAL BANK OF WAVERLY, THE — 2013
What FIRST NATIONAL BANK OF WAVERLY, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 170,357,000 | 169,219,000 | 175,369,000 | 170,476,000 |
| Total loans | 91,663,000 | 89,792,000 | 86,253,000 | 84,267,000 |
| Allowance for loan losses | 724,000 | 725,000 | 736,000 | 735,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 18,130,000 | 18,544,000 | 20,504,000 | 23,117,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,372,000 | 151,098,000 | 157,102,000 | 152,195,000 |
| Interest-bearing deposits | 121,896,000 | 120,975,000 | 126,850,000 | 121,809,000 |
| Noninterest-bearing deposits | 30,476,000 | 30,123,000 | 30,252,000 | 30,386,000 |
| Equity capital | 15,370,000 | 15,450,000 | 15,555,000 | 15,538,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,406,000 | 2,819,000 | 4,224,000 | 5,628,000 |
| Interest expense | 102,000 | 210,000 | 315,000 | 412,000 |
| Net interest income | 1,304,000 | 2,609,000 | 3,909,000 | 5,216,000 |
| Noninterest income | 243,000 | 454,000 | 663,000 | 861,000 |
| Noninterest expense | 1,064,000 | 2,017,000 | 2,973,000 | 4,097,000 |
| Provision for loan losses | 0 | 40,000 | 40,000 | 40,000 |
| Pretax income | 483,000 | 1,006,000 | 1,559,000 | 1,940,000 |
| Income tax | 120,000 | 263,000 | 412,000 | 509,000 |
| Net income | 363,000 | 743,000 | 1,147,000 | 1,431,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,830,000 | 14,918,000 | 15,033,000 | 15,104,000 |
| Total capital | 15,554,000 | 15,643,000 | 15,769,000 | 15,839,000 |
| Risk-weighted assets | 98,726,000 | 94,986,000 | 94,347,000 | 92,555,000 |