Call reports 2010
WALDO STATE BANK — 2010
What WALDO STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 42,832,000 | 44,167,000 | 45,462,000 | 50,153,000 |
| Total loans | 31,287,000 | 31,754,000 | 32,616,000 | 33,962,000 |
| Allowance for loan losses | 477,000 | 477,000 | 485,000 | 530,000 |
| Securities available for sale | 7,334,000 | 6,783,000 | 7,463,000 | 8,912,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,835,000 | 36,034,000 | 37,158,000 | 42,371,000 |
| Interest-bearing deposits | 31,735,000 | 33,098,000 | 34,078,000 | 38,634,000 |
| Noninterest-bearing deposits | 3,100,000 | 2,936,000 | 3,080,000 | 3,737,000 |
| Equity capital | 5,927,000 | 6,032,000 | 6,208,000 | 6,085,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 589,000 | 1,171,000 | 1,769,000 | 2,375,000 |
| Interest expense | 200,000 | 401,000 | 600,000 | 799,000 |
| Net interest income | 389,000 | 770,000 | 1,169,000 | 1,576,000 |
| Noninterest income | 38,000 | 85,000 | 131,000 | 199,000 |
| Noninterest expense | 264,000 | 517,000 | 796,000 | 1,085,000 |
| Provision for loan losses | 15,000 | 33,000 | 55,000 | 103,000 |
| Pretax income | 148,000 | 305,000 | 449,000 | 587,000 |
| Income tax | 56,000 | 113,000 | 150,000 | 195,000 |
| Net income | 92,000 | 192,000 | 299,000 | 392,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,682,000 | 5,782,000 | 5,889,000 | 5,902,000 |
| Total capital | 6,037,000 | 6,135,000 | 6,250,000 | 6,287,000 |
| Risk-weighted assets | 28,313,000 | 28,090,000 | 28,741,000 | 30,628,000 |