Call reports 2004
WALTERS BANK AND TRUST COMPANY — 2004
What WALTERS BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 50,691,000 | 50,725,000 | 49,790,000 | 48,645,000 |
| Total loans | 13,895,000 | 13,251,000 | 13,627,000 | 14,397,000 |
| Allowance for loan losses | 323,000 | 321,000 | 307,000 | 335,000 |
| Securities available for sale | 26,171,000 | 26,012,000 | 27,993,000 | 27,594,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,550,000 | 38,524,000 | 37,388,000 | 36,579,000 |
| Interest-bearing deposits | 32,771,000 | 31,962,000 | 30,931,000 | 30,194,000 |
| Noninterest-bearing deposits | 5,779,000 | 6,562,000 | 6,457,000 | 6,385,000 |
| Equity capital | 12,082,000 | 12,131,000 | 12,326,000 | 12,020,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 521,000 | 1,032,000 | 1,560,000 | 2,083,000 |
| Interest expense | 78,000 | 153,000 | 227,000 | 302,000 |
| Net interest income | 443,000 | 879,000 | 1,333,000 | 1,781,000 |
| Noninterest income | 48,000 | 88,000 | 128,000 | 189,000 |
| Noninterest expense | 312,000 | 611,000 | 917,000 | 1,333,000 |
| Provision for loan losses | 0 | 0 | 0 | 30,000 |
| Pretax income | 179,000 | 356,000 | 544,000 | 607,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 179,000 | 356,000 | 544,000 | 607,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,348,000 | 11,525,000 | 11,713,000 | 11,776,000 |
| Total capital | 11,527,000 | 11,699,000 | 11,883,000 | 11,954,000 |
| Risk-weighted assets | 14,184,000 | 13,779,000 | 13,495,000 | 14,044,000 |
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