Call reports 2023
FIRST NATIONAL BANK OF WAVERLY, THE — 2023
What FIRST NATIONAL BANK OF WAVERLY, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 226,887,000 | 227,090,000 | 227,630,000 | 226,392,000 |
| Total loans | 95,543,000 | 98,938,000 | 99,587,000 | 100,585,000 |
| Allowance for loan losses | 615,000 | 614,000 | 610,000 | 605,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 111,125,000 | 110,681,000 | 110,230,000 | 109,987,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,322,000 | 176,332,000 | 169,538,000 | 165,298,000 |
| Interest-bearing deposits | 135,646,000 | 125,191,000 | 121,118,000 | 121,042,000 |
| Noninterest-bearing deposits | 53,676,000 | 51,141,000 | 48,420,000 | 44,256,000 |
| Equity capital | 15,004,000 | 14,954,000 | 14,921,000 | 14,751,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,493,000 | 3,092,000 | 4,729,000 | 6,396,000 |
| Interest expense | 295,000 | 595,000 | 1,066,000 | 1,734,000 |
| Net interest income | 1,198,000 | 2,497,000 | 3,663,000 | 4,662,000 |
| Noninterest income | 239,000 | 491,000 | 743,000 | 995,000 |
| Noninterest expense | 1,195,000 | 2,433,000 | 3,633,000 | 4,850,000 |
| Provision for loan losses | 0 | 80,000 | 80,000 | 80,000 |
| Pretax income | 244,000 | 471,000 | 688,000 | 721,000 |
| Income tax | 30,000 | 57,000 | 82,000 | 85,000 |
| Net income | 214,000 | 414,000 | 606,000 | 636,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,004,000 | 14,954,000 | 14,921,000 | 14,751,000 |
| Total capital | 15,639,000 | 15,594,000 | 15,558,000 | 15,384,000 |
| Risk-weighted assets | 94,393,000 | 95,153,000 | 95,371,000 | 95,987,000 |