Call reports 2001
WALDO STATE BANK — 2001
What WALDO STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 20,783,000 | 22,829,000 | 23,262,000 | 24,922,000 |
| Total loans | 13,763,000 | 13,188,000 | 13,108,000 | 13,665,000 |
| Allowance for loan losses | 163,000 | 165,000 | 173,000 | 170,000 |
| Securities available for sale | 5,017,000 | 7,262,000 | 7,831,000 | 8,116,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,737,000 | 18,727,000 | 19,147,000 | 20,790,000 |
| Interest-bearing deposits | 14,940,000 | 17,016,000 | 17,500,000 | 18,465,000 |
| Noninterest-bearing deposits | 1,797,000 | 1,711,000 | 1,647,000 | 2,325,000 |
| Equity capital | 3,942,000 | 3,986,000 | 4,024,000 | 4,003,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 410,000 | 831,000 | 1,234,000 | 1,618,000 |
| Interest expense | 193,000 | 400,000 | 612,000 | 799,000 |
| Net interest income | 217,000 | 431,000 | 622,000 | 819,000 |
| Noninterest income | 16,000 | 32,000 | 47,000 | 60,000 |
| Noninterest expense | 157,000 | 323,000 | 462,000 | 619,000 |
| Provision for loan losses | 6,000 | 10,000 | 18,000 | 24,000 |
| Pretax income | 70,000 | 130,000 | 189,000 | 236,000 |
| Income tax | 23,000 | 42,000 | 61,000 | 74,000 |
| Net income | 47,000 | 88,000 | 128,000 | 162,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,937,000 | 3,977,000 | 4,018,000 | 4,002,000 |
| Total capital | 4,100,000 | 4,142,000 | 4,191,000 | 4,172,000 |
| Risk-weighted assets | 13,312,000 | 13,476,000 | 16,068,000 | 16,144,000 |