Call reports 2013
WALTERS BANK AND TRUST COMPANY — 2013
What WALTERS BANK AND TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 56,542,000 | 56,752,000 | 55,659,000 | 54,764,000 |
| Total loans | 22,621,000 | 22,317,000 | 22,373,000 | 23,400,000 |
| Allowance for loan losses | 445,000 | 430,000 | 435,000 | 470,000 |
| Securities available for sale | 21,681,000 | 20,323,000 | 20,251,000 | 20,079,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,954,000 | 44,302,000 | 43,068,000 | 42,432,000 |
| Interest-bearing deposits | 34,900,000 | 35,215,000 | 33,954,000 | 34,385,000 |
| Noninterest-bearing deposits | 9,054,000 | 9,087,000 | 9,114,000 | 8,047,000 |
| Equity capital | 12,547,000 | 12,386,000 | 12,506,000 | 12,308,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 547,000 | 1,063,000 | 1,573,000 | 2,069,000 |
| Interest expense | 25,000 | 49,000 | 72,000 | 94,000 |
| Net interest income | 522,000 | 1,014,000 | 1,501,000 | 1,975,000 |
| Noninterest income | 74,000 | 143,000 | 210,000 | 289,000 |
| Noninterest expense | 404,000 | 794,000 | 1,174,000 | 1,742,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 192,000 | 363,000 | 537,000 | 472,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 192,000 | 363,000 | 537,000 | 472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,867,000 | 12,038,000 | 12,212,000 | 12,147,000 |
| Total capital | 12,127,000 | 12,296,000 | 12,468,000 | 12,411,000 |
| Risk-weighted assets | 20,647,000 | 20,468,000 | 20,286,000 | 20,894,000 |