Call reports 2016
WALDO STATE BANK — 2016
What WALDO STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 67,824,000 | 68,023,000 | 68,733,000 | 72,343,000 |
| Total loans | 42,917,000 | 42,417,000 | 44,789,000 | 46,137,000 |
| Allowance for loan losses | 829,000 | 865,000 | 903,000 | 941,000 |
| Securities available for sale | 15,565,000 | 15,962,000 | 16,482,000 | 15,608,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,959,000 | 59,026,000 | 59,585,000 | 63,417,000 |
| Interest-bearing deposits | 54,075,000 | 54,694,000 | 53,928,000 | 57,189,000 |
| Noninterest-bearing deposits | 4,884,000 | 4,332,000 | 5,657,000 | 6,228,000 |
| Equity capital | 8,609,000 | 8,805,000 | 8,958,000 | 8,795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 688,000 | 1,379,000 | 2,068,000 | 2,781,000 |
| Interest expense | 116,000 | 234,000 | 353,000 | 470,000 |
| Net interest income | 572,000 | 1,145,000 | 1,715,000 | 2,311,000 |
| Noninterest income | 88,000 | 180,000 | 272,000 | 366,000 |
| Noninterest expense | 361,000 | 741,000 | 1,101,000 | 1,474,000 |
| Provision for loan losses | 38,000 | 75,000 | 113,000 | 150,000 |
| Pretax income | 255,000 | 503,000 | 767,000 | 1,047,000 |
| Income tax | 94,000 | 171,000 | 268,000 | 332,000 |
| Net income | 161,000 | 332,000 | 499,000 | 715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,370,000 | 8,541,000 | 8,708,000 | 8,843,000 |
| Total capital | 8,903,000 | 9,067,000 | 9,275,000 | 9,439,000 |
| Risk-weighted assets | 42,419,000 | 41,768,000 | 45,097,000 | 47,350,000 |