Call reports 2006
WALDO STATE BANK — 2006
What WALDO STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 30,619,000 | 30,825,000 | 32,012,000 | 33,264,000 |
| Total loans | 24,053,000 | 25,392,000 | 26,132,000 | 26,700,000 |
| Allowance for loan losses | 286,000 | 298,000 | 310,000 | 318,000 |
| Securities available for sale | 3,231,000 | 3,057,000 | 2,895,000 | 2,940,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,715,000 | 22,905,000 | 25,064,000 | 26,215,000 |
| Interest-bearing deposits | 21,226,000 | 20,550,000 | 22,053,000 | 23,718,000 |
| Noninterest-bearing deposits | 2,489,000 | 2,355,000 | 3,011,000 | 2,497,000 |
| Equity capital | 4,772,000 | 4,820,000 | 4,866,000 | 4,901,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 462,000 | 934,000 | 1,437,000 | 1,890,000 |
| Interest expense | 190,000 | 395,000 | 629,000 | 873,000 |
| Net interest income | 272,000 | 539,000 | 808,000 | 1,017,000 |
| Noninterest income | 18,000 | 38,000 | 56,000 | 137,000 |
| Noninterest expense | 190,000 | 371,000 | 573,000 | 717,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 88,000 | 182,000 | 255,000 | 389,000 |
| Income tax | 32,000 | 69,000 | 105,000 | 154,000 |
| Net income | 56,000 | 113,000 | 150,000 | 235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,718,000 | 4,807,000 | 4,924,000 | 4,945,000 |
| Total capital | 4,984,000 | 5,066,000 | 5,204,000 | 5,217,000 |
| Risk-weighted assets | 21,285,000 | 20,652,000 | 22,365,000 | 21,720,000 |