Call reports 2015
FIRST NATIONAL BANK OF WAVERLY, THE — 2015
What FIRST NATIONAL BANK OF WAVERLY, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 170,763,000 | 166,853,000 | 166,777,000 | 159,083,000 |
| Total loans | 77,237,000 | 78,585,000 | 81,936,000 | 84,044,000 |
| Allowance for loan losses | 553,000 | 557,000 | 726,000 | 565,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 29,242,000 | 26,371,000 | 26,363,000 | 29,325,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,144,000 | 148,186,000 | 147,882,000 | 139,957,000 |
| Interest-bearing deposits | 121,681,000 | 117,516,000 | 116,961,000 | 106,947,000 |
| Noninterest-bearing deposits | 30,463,000 | 30,670,000 | 30,921,000 | 33,010,000 |
| Equity capital | 15,674,000 | 15,664,000 | 15,841,000 | 15,744,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,272,000 | 2,556,000 | 3,872,000 | 5,214,000 |
| Interest expense | 78,000 | 152,000 | 225,000 | 292,000 |
| Net interest income | 1,194,000 | 2,404,000 | 3,647,000 | 4,922,000 |
| Noninterest income | 238,000 | 469,000 | 719,000 | 1,036,000 |
| Noninterest expense | 1,024,000 | 2,145,000 | 3,132,000 | 4,342,000 |
| Provision for loan losses | 0 | 0 | 300,000 | 437,000 |
| Pretax income | 408,000 | 728,000 | 934,000 | 1,179,000 |
| Income tax | 101,000 | 181,000 | 210,000 | 254,000 |
| Net income | 307,000 | 547,000 | 724,000 | 925,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,920,000 | 14,911,000 | 15,088,000 | 14,991,000 |
| Total capital | 15,473,000 | 15,468,000 | 15,814,000 | 15,556,000 |
| Risk-weighted assets | 92,458,000 | 89,231,000 | 92,223,000 | 93,173,000 |