Call reports 2022
WALDO STATE BANK — 2022
What WALDO STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 112,408,000 | 106,586,000 | 107,668,000 | 110,385,000 |
| Total loans | 70,916,000 | 74,821,000 | 74,541,000 | 77,012,000 |
| Allowance for loan losses | 1,082,000 | 1,091,000 | 1,100,000 | 1,002,000 |
| Securities available for sale | 15,910,000 | 18,238,000 | 17,238,000 | 17,798,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,304,000 | 93,641,000 | 94,910,000 | 97,505,000 |
| Interest-bearing deposits | 88,135,000 | 82,187,000 | 83,225,000 | 85,027,000 |
| Noninterest-bearing deposits | 11,169,000 | 11,454,000 | 11,685,000 | 12,478,000 |
| Equity capital | 11,865,000 | 11,679,000 | 11,473,000 | 11,580,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 968,000 | 1,995,000 | 3,088,000 | 4,226,000 |
| Interest expense | 125,000 | 245,000 | 399,000 | 595,000 |
| Net interest income | 843,000 | 1,750,000 | 2,689,000 | 3,631,000 |
| Noninterest income | 114,000 | 200,000 | 292,000 | 410,000 |
| Noninterest expense | 639,000 | 1,285,000 | 1,946,000 | 2,678,000 |
| Provision for loan losses | 7,000 | 15,000 | 22,000 | 30,000 |
| Pretax income | 359,000 | 698,000 | 1,061,000 | 1,333,000 |
| Income tax | 70,000 | 157,000 | 234,000 | 289,000 |
| Net income | 289,000 | 541,000 | 827,000 | 1,044,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,586,000 | 12,839,000 | 13,125,000 | 13,264,000 |