Call reports 2015
WALDO STATE BANK — 2015
What WALDO STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 64,118,000 | 64,238,000 | 65,965,000 | 67,644,000 |
| Total loans | 41,638,000 | 43,566,000 | 43,966,000 | 44,691,000 |
| Allowance for loan losses | 652,000 | 706,000 | 753,000 | 791,000 |
| Securities available for sale | 17,251,000 | 15,879,000 | 15,323,000 | 14,050,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,756,000 | 55,908,000 | 57,410,000 | 59,000,000 |
| Interest-bearing deposits | 51,265,000 | 51,368,000 | 52,469,000 | 54,075,000 |
| Noninterest-bearing deposits | 4,491,000 | 4,540,000 | 4,941,000 | 4,925,000 |
| Equity capital | 8,116,000 | 8,174,000 | 8,368,000 | 8,406,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 667,000 | 1,348,000 | 2,023,000 | 2,715,000 |
| Interest expense | 117,000 | 235,000 | 354,000 | 471,000 |
| Net interest income | 550,000 | 1,113,000 | 1,669,000 | 2,244,000 |
| Noninterest income | 61,000 | 117,000 | 190,000 | 258,000 |
| Noninterest expense | 325,000 | 689,000 | 1,029,000 | 1,393,000 |
| Provision for loan losses | 38,000 | 75,000 | 113,000 | 150,000 |
| Pretax income | 248,000 | 466,000 | 717,000 | 970,000 |
| Income tax | 77,000 | 153,000 | 244,000 | 334,000 |
| Net income | 171,000 | 313,000 | 473,000 | 636,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,823,000 | 7,965,000 | 8,126,000 | 8,208,000 |
| Total capital | 8,313,000 | 8,482,000 | 8,666,000 | 8,752,000 |
| Risk-weighted assets | 39,071,000 | 41,205,000 | 43,008,000 | 43,340,000 |