Call reports 2002
WALTERS BANK AND TRUST COMPANY — 2002
What WALTERS BANK AND TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 51,399,000 | 52,304,000 | 53,806,000 | 54,194,000 |
| Total loans | 14,284,000 | 13,486,000 | 13,852,000 | 15,072,000 |
| Allowance for loan losses | 364,000 | 341,000 | 324,000 | 335,000 |
| Securities available for sale | 20,551,000 | 25,793,000 | 26,748,000 | 21,729,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,889,000 | 40,255,000 | 40,670,000 | 40,982,000 |
| Interest-bearing deposits | 34,850,000 | 33,099,000 | 34,253,000 | 34,763,000 |
| Noninterest-bearing deposits | 5,039,000 | 7,156,000 | 6,417,000 | 6,219,000 |
| Equity capital | 11,381,000 | 11,916,000 | 13,006,000 | 13,115,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 656,000 | 1,308,000 | 1,973,000 | 2,575,000 |
| Interest expense | 217,000 | 416,000 | 607,000 | 763,000 |
| Net interest income | 439,000 | 892,000 | 1,366,000 | 1,812,000 |
| Noninterest income | 52,000 | 95,000 | 139,000 | 193,000 |
| Noninterest expense | 271,000 | 523,000 | 804,000 | 1,155,000 |
| Provision for loan losses | 0 | 0 | 0 | 43,000 |
| Pretax income | 220,000 | 464,000 | 701,000 | 807,000 |
| Income tax | 7,000 | 14,000 | 21,000 | 29,000 |
| Net income | 213,000 | 450,000 | 680,000 | 778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,382,000 | 11,619,000 | 11,849,000 | 11,947,000 |
| Total capital | 11,585,000 | 11,803,000 | 12,038,000 | 12,162,000 |
| Risk-weighted assets | 16,118,000 | 14,576,000 | 14,963,000 | 17,055,000 |
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