Call reports 2007
WALTERS BANK AND TRUST COMPANY — 2007
What WALTERS BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 48,092,000 | 49,590,000 | 49,244,000 | 51,270,000 |
| Total loans | 15,302,000 | 14,549,000 | 15,211,000 | 16,440,000 |
| Allowance for loan losses | 325,000 | 329,000 | 334,000 | 335,000 |
| Securities available for sale | 25,218,000 | 25,674,000 | 25,633,000 | 23,131,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,526,000 | 37,727,000 | 37,158,000 | 39,127,000 |
| Interest-bearing deposits | 29,748,000 | 31,123,000 | 30,442,000 | 31,504,000 |
| Noninterest-bearing deposits | 6,778,000 | 6,604,000 | 6,716,000 | 7,623,000 |
| Equity capital | 11,408,000 | 11,680,000 | 11,873,000 | 11,978,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 661,000 | 1,346,000 | 2,058,000 | 2,763,000 |
| Interest expense | 198,000 | 416,000 | 647,000 | 874,000 |
| Net interest income | 463,000 | 930,000 | 1,411,000 | 1,889,000 |
| Noninterest income | 54,000 | 97,000 | 147,000 | 199,000 |
| Noninterest expense | 300,000 | 603,000 | 911,000 | 1,303,000 |
| Provision for loan losses | 0 | 0 | 0 | 9,000 |
| Pretax income | 217,000 | 424,000 | 647,000 | 776,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 217,000 | 424,000 | 647,000 | 776,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,385,000 | 11,592,000 | 11,815,000 | 11,944,000 |
| Total capital | 11,570,000 | 11,771,000 | 12,000,000 | 12,149,000 |
| Risk-weighted assets | 14,651,000 | 14,127,000 | 14,571,000 | 16,267,000 |
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