Call reports 2019
WALDO STATE BANK — 2019
What WALDO STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 81,132,000 | 82,758,000 | 82,291,000 | 86,960,000 |
| Total loans | 60,562,000 | 63,416,000 | 65,735,000 | 63,702,000 |
| Allowance for loan losses | 961,000 | 976,000 | 991,000 | 978,000 |
| Securities available for sale | 10,482,000 | 9,992,000 | 9,460,000 | 9,130,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,969,000 | 70,416,000 | 69,726,000 | 74,248,000 |
| Interest-bearing deposits | 63,310,000 | 64,733,000 | 63,551,000 | 67,560,000 |
| Noninterest-bearing deposits | 5,659,000 | 5,683,000 | 6,175,000 | 6,688,000 |
| Equity capital | 10,034,000 | 10,245,000 | 10,471,000 | 10,587,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 906,000 | 1,817,000 | 2,784,000 | 3,740,000 |
| Interest expense | 235,000 | 493,000 | 762,000 | 1,033,000 |
| Net interest income | 671,000 | 1,324,000 | 2,022,000 | 2,707,000 |
| Noninterest income | 65,000 | 137,000 | 209,000 | 314,000 |
| Noninterest expense | 536,000 | 1,019,000 | 1,575,000 | 2,132,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 83,000 |
| Pretax income | 186,000 | 413,000 | 612,000 | 807,000 |
| Income tax | 25,000 | 97,000 | 98,000 | 97,000 |
| Net income | 161,000 | 316,000 | 514,000 | 710,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,044,000 | 10,199,000 | 10,397,000 | 10,513,000 |
| Total capital | 10,772,000 | 10,951,000 | 11,165,000 | 11,266,000 |
| Risk-weighted assets | 58,013,000 | 59,984,000 | 61,248,000 | 60,067,000 |