Call reports 2012
WALDO STATE BANK — 2012
What WALDO STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 58,302,000 | 59,198,000 | 60,545,000 | 61,850,000 |
| Total loans | 32,489,000 | 33,017,000 | 34,332,000 | 36,225,000 |
| Allowance for loan losses | 460,000 | 490,000 | 512,000 | 550,000 |
| Securities available for sale | 18,461,000 | 19,330,000 | 20,385,000 | 19,462,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,015,000 | 51,704,000 | 52,833,000 | 54,575,000 |
| Interest-bearing deposits | 48,204,000 | 49,074,000 | 50,074,000 | 50,921,000 |
| Noninterest-bearing deposits | 2,811,000 | 2,630,000 | 2,759,000 | 3,654,000 |
| Equity capital | 6,704,000 | 6,748,000 | 6,930,000 | 6,956,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 610,000 | 1,210,000 | 1,812,000 | 2,420,000 |
| Interest expense | 177,000 | 349,000 | 512,000 | 661,000 |
| Net interest income | 433,000 | 861,000 | 1,300,000 | 1,759,000 |
| Noninterest income | 36,000 | 88,000 | 166,000 | 246,000 |
| Noninterest expense | 269,000 | 571,000 | 853,000 | 1,139,000 |
| Provision for loan losses | 27,000 | 57,000 | 95,000 | 133,000 |
| Pretax income | 173,000 | 321,000 | 518,000 | 733,000 |
| Income tax | 65,000 | 121,000 | 194,000 | 272,000 |
| Net income | 108,000 | 200,000 | 324,000 | 461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,352,000 | 6,444,000 | 6,568,000 | 6,626,000 |
| Total capital | 6,751,000 | 6,851,000 | 6,986,000 | 7,053,000 |
| Risk-weighted assets | 31,838,000 | 32,470,000 | 33,338,000 | 33,997,000 |