Call reports 2005
WALDO STATE BANK — 2005
What WALDO STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 26,851,000 | 27,432,000 | 30,143,000 | 31,006,000 |
| Total loans | 19,571,000 | 20,756,000 | 23,369,000 | 24,214,000 |
| Allowance for loan losses | 240,000 | 249,000 | 258,000 | 286,000 |
| Securities available for sale | 4,115,000 | 3,778,000 | 3,555,000 | 3,363,000 |
| Securities held to maturity | 0 | 8,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,230,000 | 20,234,000 | 22,342,000 | 24,163,000 |
| Interest-bearing deposits | 19,072,000 | 18,008,000 | 19,205,000 | 21,300,000 |
| Noninterest-bearing deposits | 2,158,000 | 2,226,000 | 3,137,000 | 2,863,000 |
| Equity capital | 4,571,000 | 4,603,000 | 4,691,000 | 4,674,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 390,000 | 782,000 | 1,219,000 | 1,690,000 |
| Interest expense | 102,000 | 225,000 | 365,000 | 532,000 |
| Net interest income | 288,000 | 557,000 | 854,000 | 1,158,000 |
| Noninterest income | 22,000 | 39,000 | 56,000 | 78,000 |
| Noninterest expense | 172,000 | 371,000 | 559,000 | 736,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 66,000 |
| Pretax income | 129,000 | 207,000 | 324,000 | 434,000 |
| Income tax | 49,000 | 78,000 | 126,000 | 162,000 |
| Net income | 80,000 | 129,000 | 198,000 | 272,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,641,000 | 4,642,000 | 4,647,000 | 4,599,000 |
| Total capital | 4,855,000 | 4,865,000 | 4,905,000 | 4,885,000 |
| Risk-weighted assets | 17,085,000 | 17,730,000 | 20,692,000 | 22,220,000 |