Call reports 2006
WALTERS BANK AND TRUST COMPANY — 2006
What WALTERS BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 47,006,000 | 47,522,000 | 47,170,000 | 47,623,000 |
| Total loans | 14,715,000 | 14,822,000 | 15,145,000 | 16,552,000 |
| Allowance for loan losses | 334,000 | 335,000 | 337,000 | 335,000 |
| Securities available for sale | 25,113,000 | 25,027,000 | 25,111,000 | 25,132,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,632,000 | 36,012,000 | 35,337,000 | 35,669,000 |
| Interest-bearing deposits | 29,032,000 | 29,121,000 | 28,096,000 | 29,025,000 |
| Noninterest-bearing deposits | 6,600,000 | 6,891,000 | 7,241,000 | 6,644,000 |
| Equity capital | 11,266,000 | 11,370,000 | 11,675,000 | 11,816,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 521,000 | 1,119,000 | 1,733,000 | 2,400,000 |
| Interest expense | 148,000 | 314,000 | 494,000 | 685,000 |
| Net interest income | 373,000 | 805,000 | 1,239,000 | 1,715,000 |
| Noninterest income | 48,000 | 89,000 | 131,000 | 195,000 |
| Noninterest expense | 265,000 | 542,000 | 828,000 | 1,199,000 |
| Provision for loan losses | 0 | 0 | 0 | 13,000 |
| Pretax income | 156,000 | 352,000 | 542,000 | 698,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 156,000 | 352,000 | 542,000 | 698,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,324,000 | 11,520,000 | 11,710,000 | 11,866,000 |
| Total capital | 11,498,000 | 11,697,000 | 11,888,000 | 12,063,000 |
| Risk-weighted assets | 13,725,000 | 13,986,000 | 14,104,000 | 15,585,000 |
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