Call reports 2012
WALTERS BANK AND TRUST COMPANY — 2012
What WALTERS BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 55,974,000 | 57,177,000 | 55,038,000 | 55,127,000 |
| Total loans | 22,443,000 | 22,215,000 | 22,500,000 | 23,754,000 |
| Allowance for loan losses | 447,000 | 446,000 | 452,000 | 443,000 |
| Securities available for sale | 22,099,000 | 21,953,000 | 21,767,000 | 21,694,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,154,000 | 44,269,000 | 42,108,000 | 42,379,000 |
| Interest-bearing deposits | 33,721,000 | 34,658,000 | 33,564,000 | 33,840,000 |
| Noninterest-bearing deposits | 9,433,000 | 9,611,000 | 8,544,000 | 8,539,000 |
| Equity capital | 12,768,000 | 12,831,000 | 12,846,000 | 12,726,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 570,000 | 1,130,000 | 1,681,000 | 2,235,000 |
| Interest expense | 36,000 | 70,000 | 98,000 | 127,000 |
| Net interest income | 534,000 | 1,060,000 | 1,583,000 | 2,108,000 |
| Noninterest income | 85,000 | 138,000 | 193,000 | 261,000 |
| Noninterest expense | 408,000 | 799,000 | 1,197,000 | 1,759,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 211,000 | 399,000 | 579,000 | 510,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 211,000 | 399,000 | 579,000 | 510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,768,000 | 11,955,000 | 12,135,000 | 12,066,000 |
| Total capital | 12,025,000 | 12,210,000 | 12,385,000 | 12,330,000 |
| Risk-weighted assets | 20,385,000 | 20,218,000 | 19,813,000 | 20,974,000 |