Call reports 2021
WALDO STATE BANK — 2021
What WALDO STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 103,444,000 | 108,705,000 | 110,248,000 | 115,422,000 |
| Total loans | 67,501,000 | 70,594,000 | 69,644,000 | 72,401,000 |
| Allowance for loan losses | 1,047,000 | 1,054,000 | 1,064,000 | 1,073,000 |
| Securities available for sale | 12,578,000 | 13,987,000 | 14,459,000 | 16,822,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,614,000 | 94,412,000 | 96,825,000 | 101,853,000 |
| Interest-bearing deposits | 80,683,000 | 84,013,000 | 85,672,000 | 91,352,000 |
| Noninterest-bearing deposits | 8,931,000 | 10,399,000 | 11,153,000 | 10,501,000 |
| Equity capital | 11,576,000 | 11,915,000 | 12,148,000 | 12,271,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 943,000 | 1,950,000 | 2,985,000 | 4,018,000 |
| Interest expense | 185,000 | 350,000 | 497,000 | 634,000 |
| Net interest income | 758,000 | 1,600,000 | 2,488,000 | 3,384,000 |
| Noninterest income | 129,000 | 284,000 | 406,000 | 500,000 |
| Noninterest expense | 629,000 | 1,220,000 | 1,850,000 | 2,547,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 250,000 | 649,000 | 1,021,000 | 1,307,000 |
| Income tax | 55,000 | 148,000 | 227,000 | 286,000 |
| Net income | 195,000 | 501,000 | 794,000 | 1,021,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,357,000 | 11,858,000 | 12,151,000 | 12,298,000 |