Call reports 2014
WALDO STATE BANK — 2014
What WALDO STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 61,418,000 | 62,237,000 | 61,749,000 | 66,149,000 |
| Total loans | 36,155,000 | 37,209,000 | 38,261,000 | 41,019,000 |
| Allowance for loan losses | 565,000 | 547,000 | 592,000 | 660,000 |
| Securities available for sale | 17,516,000 | 19,327,000 | 18,860,000 | 18,272,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,845,000 | 54,408,000 | 53,742,000 | 58,091,000 |
| Interest-bearing deposits | 50,399,000 | 51,204,000 | 49,954,000 | 52,528,000 |
| Noninterest-bearing deposits | 3,446,000 | 3,204,000 | 3,788,000 | 5,563,000 |
| Equity capital | 7,435,000 | 7,663,000 | 7,840,000 | 7,885,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 634,000 | 1,262,000 | 1,914,000 | 2,561,000 |
| Interest expense | 120,000 | 240,000 | 358,000 | 477,000 |
| Net interest income | 514,000 | 1,022,000 | 1,556,000 | 2,084,000 |
| Noninterest income | 18,000 | 73,000 | 139,000 | 234,000 |
| Noninterest expense | 306,000 | 617,000 | 911,000 | 1,250,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 205,000 |
| Pretax income | 181,000 | 388,000 | 649,000 | 863,000 |
| Income tax | 57,000 | 109,000 | 193,000 | 267,000 |
| Net income | 124,000 | 279,000 | 456,000 | 596,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,300,000 | 7,455,000 | 7,632,000 | 7,652,000 |
| Total capital | 7,740,000 | 7,896,000 | 8,083,000 | 8,125,000 |
| Risk-weighted assets | 35,002,000 | 35,188,000 | 35,942,000 | 37,666,000 |