Call reports 2002
WALDO STATE BANK — 2002
What WALDO STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 23,135,000 | 22,307,000 | 24,193,000 | 25,362,000 |
| Total loans | 14,214,000 | 14,669,000 | 16,115,000 | 16,503,000 |
| Allowance for loan losses | 182,000 | 188,000 | 191,000 | 163,000 |
| Securities available for sale | 6,881,000 | 6,335,000 | 6,408,000 | 5,349,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,062,000 | 18,095,000 | 18,369,000 | 20,056,000 |
| Interest-bearing deposits | 17,174,000 | 16,195,000 | 16,472,000 | 18,040,000 |
| Noninterest-bearing deposits | 1,888,000 | 1,900,000 | 1,897,000 | 2,016,000 |
| Equity capital | 4,003,000 | 4,143,000 | 4,224,000 | 4,218,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 378,000 | 741,000 | 1,143,000 | 1,542,000 |
| Interest expense | 166,000 | 311,000 | 451,000 | 591,000 |
| Net interest income | 212,000 | 430,000 | 692,000 | 951,000 |
| Noninterest income | 13,000 | 28,000 | 43,000 | 59,000 |
| Noninterest expense | 152,000 | 321,000 | 467,000 | 623,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 54,000 |
| Pretax income | 67,000 | 125,000 | 250,000 | 333,000 |
| Income tax | 22,000 | 42,000 | 84,000 | 112,000 |
| Net income | 45,000 | 83,000 | 166,000 | 221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,048,000 | 4,085,000 | 4,169,000 | 4,173,000 |
| Total capital | 4,230,000 | 4,271,000 | 4,360,000 | 4,336,000 |
| Risk-weighted assets | 14,982,000 | 14,909,000 | 15,413,000 | 15,463,000 |