Call reports 2014
WALTERS BANK AND TRUST COMPANY — 2014
What WALTERS BANK AND TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 55,333,000 | 56,477,000 | 56,248,000 | 56,292,000 |
| Total loans | 22,884,000 | 22,813,000 | 22,300,000 | 23,408,000 |
| Allowance for loan losses | 475,000 | 466,000 | 410,000 | 414,000 |
| Securities available for sale | 19,973,000 | 16,742,000 | 21,422,000 | 21,584,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,304,000 | 44,376,000 | 43,818,000 | 43,844,000 |
| Interest-bearing deposits | 34,741,000 | 34,099,000 | 32,867,000 | 33,053,000 |
| Noninterest-bearing deposits | 8,563,000 | 10,277,000 | 10,951,000 | 10,791,000 |
| Equity capital | 11,978,000 | 12,034,000 | 12,343,000 | 12,431,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 494,000 | 981,000 | 1,448,000 | 1,915,000 |
| Interest expense | 22,000 | 44,000 | 65,000 | 87,000 |
| Net interest income | 472,000 | 937,000 | 1,383,000 | 1,828,000 |
| Noninterest income | 91,000 | 155,000 | 232,000 | 286,000 |
| Noninterest expense | 423,000 | 776,000 | 1,209,000 | 1,739,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 140,000 | 316,000 | 406,000 | 375,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 140,000 | 316,000 | 406,000 | 375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,896,000 | 12,072,000 | 12,162,000 | 12,131,000 |
| Total capital | 12,155,000 | 12,338,000 | 12,411,000 | 12,391,000 |
| Risk-weighted assets | 20,529,000 | 21,070,000 | 19,749,000 | 20,613,000 |