Call reports 2018
WALDO STATE BANK — 2018
What WALDO STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 75,588,000 | 76,312,000 | 81,136,000 | 81,187,000 |
| Total loans | 54,514,000 | 56,315,000 | 60,554,000 | 59,729,000 |
| Allowance for loan losses | 981,000 | 957,000 | 972,000 | 938,000 |
| Securities available for sale | 12,477,000 | 11,810,000 | 11,338,000 | 11,272,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,284,000 | 64,787,000 | 67,417,000 | 69,218,000 |
| Interest-bearing deposits | 59,921,000 | 60,174,000 | 61,803,000 | 62,106,000 |
| Noninterest-bearing deposits | 5,363,000 | 4,613,000 | 5,614,000 | 7,112,000 |
| Equity capital | 9,220,000 | 9,416,000 | 9,573,000 | 9,783,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 796,000 | 1,612,000 | 2,477,000 | 3,367,000 |
| Interest expense | 167,000 | 356,000 | 571,000 | 797,000 |
| Net interest income | 629,000 | 1,256,000 | 1,906,000 | 2,570,000 |
| Noninterest income | 82,000 | 147,000 | 217,000 | 302,000 |
| Noninterest expense | 509,000 | 972,000 | 1,455,000 | 1,937,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 189,000 | 403,000 | 625,000 | 877,000 |
| Income tax | 19,000 | 22,000 | 40,000 | 67,000 |
| Net income | 170,000 | 381,000 | 585,000 | 810,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,321,000 | 9,532,000 | 9,738,000 | 9,883,000 |
| Total capital | 9,997,000 | 10,219,000 | 10,475,000 | 10,610,000 |
| Risk-weighted assets | 53,840,000 | 54,728,000 | 58,747,000 | 57,951,000 |