Call reports 2004
WALDO STATE BANK — 2004
What WALDO STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 26,622,000 | 26,294,000 | 25,949,000 | 27,825,000 |
| Total loans | 17,272,000 | 17,552,000 | 18,037,000 | 19,242,000 |
| Allowance for loan losses | 212,000 | 217,000 | 226,000 | 235,000 |
| Securities available for sale | 5,144,000 | 4,693,000 | 4,450,000 | 4,266,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,098,000 | 20,827,000 | 20,330,000 | 22,183,000 |
| Interest-bearing deposits | 18,748,000 | 18,468,000 | 18,156,000 | 18,972,000 |
| Noninterest-bearing deposits | 2,350,000 | 2,359,000 | 2,174,000 | 3,211,000 |
| Equity capital | 4,460,000 | 4,424,000 | 4,548,000 | 4,537,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 350,000 | 709,000 | 1,109,000 | 1,481,000 |
| Interest expense | 110,000 | 210,000 | 308,000 | 401,000 |
| Net interest income | 240,000 | 499,000 | 801,000 | 1,080,000 |
| Noninterest income | 30,000 | 34,000 | 52,000 | 66,000 |
| Noninterest expense | 171,000 | 341,000 | 505,000 | 693,000 |
| Provision for loan losses | 6,000 | 15,000 | 24,000 | 33,000 |
| Pretax income | 93,000 | 177,000 | 324,000 | 420,000 |
| Income tax | 12,000 | 74,000 | 124,000 | 162,000 |
| Net income | 81,000 | 103,000 | 200,000 | 258,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,433,000 | 4,476,000 | 4,541,000 | 4,561,000 |
| Total capital | 4,632,000 | 4,683,000 | 4,749,000 | 4,793,000 |
| Risk-weighted assets | 16,463,000 | 16,514,000 | 16,599,000 | 18,528,000 |