Call reports 2010
WALTERS BANK AND TRUST COMPANY — 2010
What WALTERS BANK AND TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 55,456,000 | 54,169,000 | 54,063,000 | 54,796,000 |
| Total loans | 19,945,000 | 20,523,000 | 21,275,000 | 21,719,000 |
| Allowance for loan losses | 335,000 | 335,000 | 342,000 | 380,000 |
| Securities available for sale | 23,547,000 | 22,098,000 | 22,294,000 | 21,916,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,271,000 | 41,204,000 | 39,953,000 | 41,903,000 |
| Interest-bearing deposits | 35,988,000 | 33,194,000 | 32,537,000 | 33,518,000 |
| Noninterest-bearing deposits | 7,283,000 | 8,010,000 | 7,416,000 | 8,385,000 |
| Equity capital | 12,114,000 | 12,880,000 | 13,229,000 | 12,852,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 558,000 | 1,123,000 | 1,700,000 | 2,298,000 |
| Interest expense | 66,000 | 128,000 | 184,000 | 236,000 |
| Net interest income | 492,000 | 995,000 | 1,516,000 | 2,062,000 |
| Noninterest income | 57,000 | 124,000 | 177,000 | 230,000 |
| Noninterest expense | 389,000 | 771,000 | 1,220,000 | 1,847,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 160,000 | 348,000 | 473,000 | 445,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 160,000 | 348,000 | 473,000 | 445,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,609,000 | 11,797,000 | 11,921,000 | 11,893,000 |
| Total capital | 11,847,000 | 12,041,000 | 12,172,000 | 12,155,000 |
| Risk-weighted assets | 18,925,000 | 19,435,000 | 19,980,000 | 20,393,000 |