Call reports 2014
FIRST NATIONAL BANK OF WAVERLY, THE — 2014
What FIRST NATIONAL BANK OF WAVERLY, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 174,137,000 | 170,933,000 | 168,412,000 | 164,226,000 |
| Total loans | 82,960,000 | 78,654,000 | 80,208,000 | 75,932,000 |
| Allowance for loan losses | 733,000 | 282,000 | 571,000 | 557,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 26,992,000 | 32,242,000 | 33,293,000 | 31,309,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,697,000 | 152,457,000 | 149,739,000 | 145,532,000 |
| Interest-bearing deposits | 126,748,000 | 123,711,000 | 119,637,000 | 114,048,000 |
| Noninterest-bearing deposits | 28,949,000 | 28,746,000 | 30,102,000 | 31,484,000 |
| Equity capital | 15,638,000 | 15,629,000 | 15,697,000 | 15,667,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,441,000 | 2,755,000 | 4,106,000 | 5,421,000 |
| Interest expense | 92,000 | 180,000 | 266,000 | 349,000 |
| Net interest income | 1,349,000 | 2,575,000 | 3,840,000 | 5,072,000 |
| Noninterest income | 302,000 | 513,000 | 1,046,000 | 1,018,000 |
| Noninterest expense | 1,099,000 | 2,135,000 | 3,137,000 | 4,224,000 |
| Provision for loan losses | 0 | 0 | 296,000 | 0 |
| Pretax income | 552,000 | 953,000 | 1,453,000 | 1,866,000 |
| Income tax | 152,000 | 262,000 | 394,000 | 537,000 |
| Net income | 400,000 | 691,000 | 1,059,000 | 1,329,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,332,000 | 15,403,000 | 15,397,000 | 15,364,000 |
| Total capital | 16,065,000 | 15,685,000 | 15,968,000 | 15,921,000 |
| Risk-weighted assets | 89,678,000 | 89,114,000 | 92,330,000 | 89,612,000 |