Call reports 2007
WALDO STATE BANK — 2007
What WALDO STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 32,371,000 | 33,583,000 | 32,859,000 | 35,360,000 |
| Total loans | 27,027,000 | 28,075,000 | 27,516,000 | 26,659,000 |
| Allowance for loan losses | 328,000 | 339,000 | 351,000 | 348,000 |
| Securities available for sale | 2,992,000 | 2,746,000 | 2,568,000 | 3,758,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,044,000 | 25,649,000 | 25,635,000 | 27,928,000 |
| Interest-bearing deposits | 22,402,000 | 22,646,000 | 23,102,000 | 24,924,000 |
| Noninterest-bearing deposits | 2,642,000 | 3,003,000 | 2,533,000 | 3,004,000 |
| Equity capital | 4,975,000 | 5,023,000 | 5,115,000 | 5,099,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 517,000 | 1,051,000 | 1,600,000 | 2,144,000 |
| Interest expense | 248,000 | 505,000 | 773,000 | 1,045,000 |
| Net interest income | 269,000 | 546,000 | 827,000 | 1,099,000 |
| Noninterest income | 33,000 | 63,000 | 88,000 | 118,000 |
| Noninterest expense | 194,000 | 390,000 | 588,000 | 773,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 96,000 | 195,000 | 291,000 | 402,000 |
| Income tax | 35,000 | 71,000 | 107,000 | 149,000 |
| Net income | 61,000 | 124,000 | 184,000 | 253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,006,000 | 5,069,000 | 5,129,000 | 5,118,000 |
| Total capital | 5,275,000 | 5,387,000 | 5,414,000 | 5,397,000 |
| Risk-weighted assets | 22,630,000 | 25,464,000 | 22,764,000 | 22,284,000 |