Call reports 2008
WALTERS BANK AND TRUST COMPANY — 2008
What WALTERS BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 50,167,000 | 51,986,000 | 50,841,000 | 50,388,000 |
| Total loans | 17,113,000 | 17,128,000 | 18,330,000 | 19,652,000 |
| Allowance for loan losses | 338,000 | 327,000 | 329,000 | 335,000 |
| Securities available for sale | 25,060,000 | 20,246,000 | 20,520,000 | 24,045,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,666,000 | 40,171,000 | 38,525,000 | 37,330,000 |
| Interest-bearing deposits | 32,073,000 | 31,780,000 | 30,689,000 | 29,923,000 |
| Noninterest-bearing deposits | 6,593,000 | 8,391,000 | 7,836,000 | 7,407,000 |
| Equity capital | 11,315,000 | 11,665,000 | 12,159,000 | 12,814,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 688,000 | 1,348,000 | 1,977,000 | 2,594,000 |
| Interest expense | 217,000 | 396,000 | 538,000 | 661,000 |
| Net interest income | 471,000 | 952,000 | 1,439,000 | 1,933,000 |
| Noninterest income | 54,000 | 103,000 | 179,000 | 220,000 |
| Noninterest expense | 308,000 | 629,000 | 959,000 | 1,537,000 |
| Provision for loan losses | 0 | 0 | 0 | 56,000 |
| Pretax income | 217,000 | 426,000 | 659,000 | 560,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 217,000 | 426,000 | 659,000 | 560,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,385,000 | 11,594,000 | 11,827,000 | 11,729,000 |
| Total capital | 11,585,000 | 11,808,000 | 12,047,000 | 11,949,000 |
| Risk-weighted assets | 15,845,000 | 16,977,000 | 17,462,000 | 17,446,000 |
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