Call reports 2017
WALDO STATE BANK — 2017
What WALDO STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 70,533,000 | 72,302,000 | 73,556,000 | 76,664,000 |
| Total loans | 46,138,000 | 47,653,000 | 48,311,000 | 53,626,000 |
| Allowance for loan losses | 973,000 | 1,027,000 | 1,057,000 | 1,087,000 |
| Securities available for sale | 14,878,000 | 14,683,000 | 14,126,000 | 13,768,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,466,000 | 62,946,000 | 63,006,000 | 66,378,000 |
| Interest-bearing deposits | 56,540,000 | 57,313,000 | 58,303,000 | 61,172,000 |
| Noninterest-bearing deposits | 4,926,000 | 5,633,000 | 4,703,000 | 5,206,000 |
| Equity capital | 8,974,000 | 9,300,000 | 9,487,000 | 9,147,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 700,000 | 1,438,000 | 2,176,000 | 2,948,000 |
| Interest expense | 122,000 | 254,000 | 397,000 | 554,000 |
| Net interest income | 578,000 | 1,184,000 | 1,779,000 | 2,394,000 |
| Noninterest income | 57,000 | 135,000 | 225,000 | 63,000 |
| Noninterest expense | 408,000 | 803,000 | 1,203,000 | 1,787,000 |
| Provision for loan losses | 32,000 | 62,000 | 92,000 | 122,000 |
| Pretax income | 207,000 | 466,000 | 721,000 | 560,000 |
| Income tax | 71,000 | 107,000 | 156,000 | 172,000 |
| Net income | 136,000 | 359,000 | 565,000 | 388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,980,000 | 9,202,000 | 9,408,000 | 9,151,000 |
| Total capital | 9,581,000 | 9,821,000 | 10,034,000 | 9,820,000 |
| Risk-weighted assets | 47,782,000 | 49,145,000 | 49,726,000 | 53,171,000 |