Call reports 2003
WALDO STATE BANK — 2003
What WALDO STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 25,002,000 | 25,426,000 | 25,777,000 | 27,373,000 |
| Total loans | 16,650,000 | 17,075,000 | 16,020,000 | 16,092,000 |
| Allowance for loan losses | 172,000 | 181,000 | 188,000 | 206,000 |
| Securities available for sale | 5,495,000 | 5,273,000 | 4,461,000 | 5,725,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,655,000 | 20,069,000 | 20,362,000 | 21,910,000 |
| Interest-bearing deposits | 17,495,000 | 17,703,000 | 18,181,000 | 19,635,000 |
| Noninterest-bearing deposits | 2,160,000 | 2,366,000 | 2,181,000 | 2,275,000 |
| Equity capital | 4,256,000 | 4,287,000 | 4,352,000 | 4,358,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 355,000 | 726,000 | 1,105,000 | 1,461,000 |
| Interest expense | 135,000 | 257,000 | 373,000 | 483,000 |
| Net interest income | 220,000 | 469,000 | 732,000 | 978,000 |
| Noninterest income | 18,000 | 37,000 | 52,000 | 70,000 |
| Noninterest expense | 160,000 | 333,000 | 479,000 | 638,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 46,000 |
| Pretax income | 79,000 | 169,000 | 292,000 | 378,000 |
| Income tax | 36,000 | 69,000 | 113,000 | 147,000 |
| Net income | 43,000 | 100,000 | 179,000 | 231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,223,000 | 4,273,000 | 4,351,000 | 4,353,000 |
| Total capital | 4,395,000 | 4,454,000 | 4,531,000 | 4,547,000 |
| Risk-weighted assets | 15,668,000 | 15,711,000 | 14,366,000 | 15,539,000 |