Call reports 2015
WALTERS BANK AND TRUST COMPANY — 2015
What WALTERS BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 57,281,000 | 56,914,000 | 55,395,000 | 58,311,000 |
| Total loans | 22,817,000 | 22,776,000 | 23,444,000 | 25,019,000 |
| Allowance for loan losses | 418,000 | 426,000 | 424,000 | 389,000 |
| Securities available for sale | 21,667,000 | 21,974,000 | 22,425,000 | 19,911,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,966,000 | 44,628,000 | 42,793,000 | 46,350,000 |
| Interest-bearing deposits | 33,444,000 | 33,945,000 | 31,859,000 | 34,579,000 |
| Noninterest-bearing deposits | 11,522,000 | 10,683,000 | 10,934,000 | 11,771,000 |
| Equity capital | 12,277,000 | 12,234,000 | 12,528,000 | 11,944,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 462,000 | 925,000 | 1,390,000 | 1,863,000 |
| Interest expense | 21,000 | 43,000 | 64,000 | 86,000 |
| Net interest income | 441,000 | 882,000 | 1,326,000 | 1,777,000 |
| Noninterest income | 66,000 | 149,000 | 221,000 | 301,000 |
| Noninterest expense | 384,000 | 756,000 | 1,168,000 | 1,763,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 123,000 | 275,000 | 379,000 | 315,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 123,000 | 275,000 | 379,000 | 315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,901,000 | 12,053,000 | 12,157,000 | 12,093,000 |
| Total capital | 12,127,000 | 12,279,000 | 12,392,000 | 12,356,000 |
| Risk-weighted assets | 17,954,000 | 17,902,000 | 18,576,000 | 20,904,000 |