Call reports 2024
WALDO STATE BANK — 2024
What WALDO STATE BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 127,053,000 | 128,998,000 | 136,244,000 | 144,576,000 |
| Total loans | 101,043,000 | 105,032,000 | 110,539,000 | 119,514,000 |
| Allowance for loan losses | 978,000 | 978,000 | 975,000 | 979,000 |
| Securities available for sale | 12,772,000 | 12,420,000 | 14,691,000 | 13,870,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,496,000 | 103,666,000 | 106,747,000 | 112,960,000 |
| Interest-bearing deposits | 88,502,000 | 91,441,000 | 94,977,000 | 100,308,000 |
| Noninterest-bearing deposits | 10,994,000 | 12,225,000 | 11,770,000 | 12,652,000 |
| Equity capital | 12,380,000 | 12,605,000 | 13,211,000 | 13,205,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,695,000 | 3,482,000 | 5,357,000 | 7,468,000 |
| Interest expense | 771,000 | 1,554,000 | 2,394,000 | 3,329,000 |
| Net interest income | 924,000 | 1,928,000 | 2,963,000 | 4,139,000 |
| Noninterest income | 129,000 | 210,000 | 309,000 | 601,000 |
| Noninterest expense | 730,000 | 1,536,000 | 2,337,000 | 3,295,000 |
| Provision for loan losses | 7,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 197,000 | 468,000 | 793,000 | 1,296,000 |
| Income tax | 37,000 | 80,000 | 142,000 | 236,000 |
| Net income | 160,000 | 388,000 | 651,000 | 1,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,634,000 | 13,862,000 | 14,125,000 | 14,454,000 |