Call reports 2011
WALDO STATE BANK — 2011
What WALDO STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 49,677,000 | 51,570,000 | 53,098,000 | 57,838,000 |
| Total loans | 32,298,000 | 32,879,000 | 32,332,000 | 32,094,000 |
| Allowance for loan losses | 553,000 | 533,000 | 510,000 | 449,000 |
| Securities available for sale | 9,650,000 | 9,771,000 | 11,134,000 | 11,723,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,873,000 | 43,575,000 | 45,897,000 | 50,547,000 |
| Interest-bearing deposits | 38,586,000 | 40,264,000 | 43,319,000 | 47,409,000 |
| Noninterest-bearing deposits | 3,287,000 | 3,311,000 | 2,578,000 | 3,138,000 |
| Equity capital | 6,238,000 | 6,422,000 | 6,621,000 | 6,632,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 596,000 | 1,194,000 | 1,821,000 | 2,408,000 |
| Interest expense | 198,000 | 388,000 | 583,000 | 768,000 |
| Net interest income | 398,000 | 806,000 | 1,238,000 | 1,640,000 |
| Noninterest income | 55,000 | 96,000 | 148,000 | 221,000 |
| Noninterest expense | 268,000 | 521,000 | 772,000 | 1,090,000 |
| Provision for loan losses | 22,000 | 45,000 | 67,000 | 100,000 |
| Pretax income | 163,000 | 336,000 | 547,000 | 671,000 |
| Income tax | 63,000 | 128,000 | 203,000 | 249,000 |
| Net income | 100,000 | 208,000 | 344,000 | 422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,001,000 | 6,109,000 | 6,245,000 | 6,244,000 |
| Total capital | 6,375,000 | 6,486,000 | 6,618,000 | 6,642,000 |
| Risk-weighted assets | 29,835,000 | 30,103,000 | 29,742,000 | 31,802,000 |