Call reports 2025
FIRST NATIONAL BANK OF WAVERLY, THE — 2025
What FIRST NATIONAL BANK OF WAVERLY, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 218,554,000 | 209,783,000 | 212,751,000 | 196,173,000 |
| Total loans | 101,935,000 | 96,826,000 | 92,888,000 | 93,837,000 |
| Allowance for loan losses | 733,000 | 766,000 | 810,000 | 810,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 96,559,000 | 93,209,000 | 89,551,000 | 74,059,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,512,000 | 186,792,000 | 189,554,000 | 172,939,000 |
| Interest-bearing deposits | 157,530,000 | 144,565,000 | 144,699,000 | 127,265,000 |
| Noninterest-bearing deposits | 37,982,000 | 42,227,000 | 44,855,000 | 45,674,000 |
| Equity capital | 17,852,000 | 17,971,000 | 18,192,000 | 18,246,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,792,000 | 3,570,000 | 5,296,000 | 7,060,000 |
| Interest expense | 749,000 | 1,368,000 | 1,947,000 | 2,414,000 |
| Net interest income | 1,043,000 | 2,202,000 | 3,349,000 | 4,646,000 |
| Noninterest income | 245,000 | 499,000 | 754,000 | 1,022,000 |
| Noninterest expense | 1,297,000 | 2,584,000 | 3,811,000 | 5,165,000 |
| Provision for loan losses | 0 | 0 | -80,000 | -80,000 |
| Pretax income | -11,000 | 107,000 | 363,000 | 573,000 |
| Income tax | -23,000 | -24,000 | 11,000 | 35,000 |
| Net income | 12,000 | 131,000 | 352,000 | 538,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,852,000 | 17,971,000 | 18,192,000 | 18,246,000 |
| Total capital | 18,602,000 | 18,763,000 | 19,027,000 | 19,081,000 |
| Risk-weighted assets | 98,778,000 | 94,230,000 | 91,091,000 | 88,742,000 |