Call reports 2005
WALTERS BANK AND TRUST COMPANY — 2005
What WALTERS BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 49,053,000 | 47,189,000 | 46,167,000 | 45,753,000 |
| Total loans | 14,683,000 | 13,852,000 | 14,926,000 | 15,728,000 |
| Allowance for loan losses | 314,000 | 319,000 | 315,000 | 335,000 |
| Securities available for sale | 27,434,000 | 25,287,000 | 27,140,000 | 27,131,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,479,000 | 35,516,000 | 34,326,000 | 33,885,000 |
| Interest-bearing deposits | 30,253,000 | 28,927,000 | 28,122,000 | 27,334,000 |
| Noninterest-bearing deposits | 7,226,000 | 6,589,000 | 6,204,000 | 6,551,000 |
| Equity capital | 11,517,000 | 11,593,000 | 11,738,000 | 11,778,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 536,000 | 1,063,000 | 1,693,000 | 2,276,000 |
| Interest expense | 87,000 | 192,000 | 316,000 | 453,000 |
| Net interest income | 449,000 | 871,000 | 1,377,000 | 1,823,000 |
| Noninterest income | 51,000 | 86,000 | 132,000 | 178,000 |
| Noninterest expense | 266,000 | 528,000 | 809,000 | 1,218,000 |
| Provision for loan losses | 0 | 0 | 0 | 36,000 |
| Pretax income | 234,000 | 429,000 | 700,000 | 747,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 234,000 | 429,000 | 700,000 | 747,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,403,000 | 11,598,000 | 11,869,000 | 11,916,000 |
| Total capital | 11,584,000 | 11,769,000 | 12,037,000 | 12,092,000 |
| Risk-weighted assets | 14,370,000 | 13,526,000 | 13,325,000 | 13,931,000 |
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