Call reports 2009
WALDO STATE BANK — 2009
What WALDO STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 39,497,000 | 41,164,000 | 39,699,000 | 43,395,000 |
| Total loans | 28,019,000 | 29,542,000 | 29,648,000 | 30,393,000 |
| Allowance for loan losses | 401,000 | 413,000 | 425,000 | 496,000 |
| Securities available for sale | 6,978,000 | 5,808,000 | 6,810,000 | 6,423,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,784,000 | 33,241,000 | 31,570,000 | 35,273,000 |
| Interest-bearing deposits | 29,362,000 | 30,596,000 | 29,137,000 | 32,637,000 |
| Noninterest-bearing deposits | 2,422,000 | 2,645,000 | 2,433,000 | 2,636,000 |
| Equity capital | 5,579,000 | 5,637,000 | 5,818,000 | 5,804,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 588,000 | 1,213,000 | 1,811,000 | 2,323,000 |
| Interest expense | 243,000 | 486,000 | 717,000 | 924,000 |
| Net interest income | 345,000 | 727,000 | 1,094,000 | 1,399,000 |
| Noninterest income | 29,000 | 58,000 | 89,000 | 197,000 |
| Noninterest expense | 248,000 | 497,000 | 732,000 | 1,002,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 108,000 |
| Pretax income | 114,000 | 264,000 | 415,000 | 486,000 |
| Income tax | 44,000 | 104,000 | 161,000 | 156,000 |
| Net income | 70,000 | 160,000 | 254,000 | 330,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,428,000 | 5,500,000 | 5,594,000 | 5,590,000 |
| Total capital | 5,746,000 | 5,826,000 | 5,923,000 | 5,940,000 |
| Risk-weighted assets | 25,328,000 | 26,004,000 | 26,153,000 | 27,826,000 |