Call reports 2009
WALTERS BANK AND TRUST COMPANY — 2009
What WALTERS BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 52,262,000 | 53,324,000 | 52,440,000 | 52,676,000 |
| Total loans | 19,440,000 | 18,861,000 | 18,732,000 | 20,142,000 |
| Allowance for loan losses | 360,000 | 362,000 | 339,000 | 335,000 |
| Securities available for sale | 21,648,000 | 21,589,000 | 23,688,000 | 23,728,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,973,000 | 40,870,000 | 39,831,000 | 40,032,000 |
| Interest-bearing deposits | 32,407,000 | 32,461,000 | 31,458,000 | 32,354,000 |
| Noninterest-bearing deposits | 7,566,000 | 8,409,000 | 8,373,000 | 7,678,000 |
| Equity capital | 12,190,000 | 12,342,000 | 12,495,000 | 12,499,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 590,000 | 1,184,000 | 1,757,000 | 2,325,000 |
| Interest expense | 108,000 | 207,000 | 292,000 | 366,000 |
| Net interest income | 482,000 | 977,000 | 1,465,000 | 1,959,000 |
| Noninterest income | 64,000 | 111,000 | 162,000 | 224,000 |
| Noninterest expense | 334,000 | 677,000 | 1,006,000 | 1,584,000 |
| Provision for loan losses | 0 | 0 | 0 | 40,000 |
| Pretax income | 212,000 | 411,000 | 621,000 | 559,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 212,000 | 411,000 | 621,000 | 559,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,493,000 | 11,692,000 | 11,902,000 | 11,840,000 |
| Total capital | 11,720,000 | 11,917,000 | 12,120,000 | 12,073,000 |
| Risk-weighted assets | 18,140,000 | 17,870,000 | 17,300,000 | 18,506,000 |