Call reports 2016
FIRST NATIONAL BANK OF WAVERLY, THE — 2016
What FIRST NATIONAL BANK OF WAVERLY, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 166,003,000 | 161,610,000 | 164,055,000 | 160,588,000 |
| Total loans | 84,879,000 | 79,452,000 | 79,548,000 | 77,546,000 |
| Allowance for loan losses | 412,000 | 429,000 | 451,000 | 774,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 27,036,000 | 20,617,000 | 22,918,000 | 31,684,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,751,000 | 142,485,000 | 144,873,000 | 141,590,000 |
| Interest-bearing deposits | 115,809,000 | 109,495,000 | 112,277,000 | 107,818,000 |
| Noninterest-bearing deposits | 30,942,000 | 32,990,000 | 32,596,000 | 33,772,000 |
| Equity capital | 15,798,000 | 15,766,000 | 15,720,000 | 15,481,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,439,000 | 2,783,000 | 4,087,000 | 5,285,000 |
| Interest expense | 62,000 | 126,000 | 185,000 | 245,000 |
| Net interest income | 1,377,000 | 2,657,000 | 3,902,000 | 5,040,000 |
| Noninterest income | 243,000 | 467,000 | 733,000 | 1,103,000 |
| Noninterest expense | 1,146,000 | 2,308,000 | 3,476,000 | 4,625,000 |
| Provision for loan losses | 0 | 0 | 0 | 424,000 |
| Pretax income | 474,000 | 816,000 | 1,159,000 | 1,094,000 |
| Income tax | 122,000 | 205,000 | 282,000 | 157,000 |
| Net income | 352,000 | 611,000 | 877,000 | 937,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,190,000 | 15,158,000 | 15,112,000 | 14,868,000 |
| Total capital | 15,602,000 | 15,587,000 | 15,563,000 | 15,642,000 |
| Risk-weighted assets | 95,298,000 | 89,650,000 | 90,047,000 | 87,107,000 |