Call reports 2013
WALDO STATE BANK — 2013
What WALDO STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 60,586,000 | 59,802,000 | 60,588,000 | 62,467,000 |
| Total loans | 36,276,000 | 36,648,000 | 36,658,000 | 36,669,000 |
| Allowance for loan losses | 507,000 | 545,000 | 615,000 | 641,000 |
| Securities available for sale | 19,142,000 | 16,547,000 | 16,762,000 | 17,220,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,198,000 | 52,475,000 | 53,286,000 | 55,046,000 |
| Interest-bearing deposits | 49,939,000 | 49,048,000 | 49,782,000 | 51,253,000 |
| Noninterest-bearing deposits | 3,259,000 | 3,427,000 | 3,504,000 | 3,793,000 |
| Equity capital | 7,119,000 | 7,253,000 | 7,204,000 | 7,251,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 627,000 | 1,232,000 | 1,844,000 | 2,472,000 |
| Interest expense | 135,000 | 262,000 | 389,000 | 514,000 |
| Net interest income | 492,000 | 970,000 | 1,455,000 | 1,958,000 |
| Noninterest income | 98,000 | 195,000 | 297,000 | 357,000 |
| Noninterest expense | 280,000 | 590,000 | 877,000 | 1,185,000 |
| Provision for loan losses | 38,000 | 85,000 | 152,000 | 220,000 |
| Pretax income | 272,000 | 490,000 | 723,000 | 910,000 |
| Income tax | 97,000 | 173,000 | 229,000 | 281,000 |
| Net income | 175,000 | 317,000 | 494,000 | 629,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,801,000 | 6,943,000 | 7,121,000 | 7,176,000 |
| Total capital | 7,226,000 | 7,359,000 | 7,549,000 | 7,613,000 |
| Risk-weighted assets | 34,504,000 | 33,192,000 | 34,039,000 | 34,800,000 |