Call reports 2016
WALTERS BANK AND TRUST COMPANY — 2016
What WALTERS BANK AND TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 60,437,000 | 60,212,000 | 57,476,000 | 58,289,000 |
| Total loans | 24,702,000 | 24,572,000 | 25,919,000 | 27,446,000 |
| Allowance for loan losses | 388,000 | 392,000 | 394,000 | 383,000 |
| Securities available for sale | 21,320,000 | 21,376,000 | 21,253,000 | 20,787,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,934,000 | 47,495,000 | 44,736,000 | 45,985,000 |
| Interest-bearing deposits | 36,727,000 | 34,851,000 | 34,019,000 | 36,012,000 |
| Noninterest-bearing deposits | 11,207,000 | 12,644,000 | 10,717,000 | 9,973,000 |
| Equity capital | 12,463,000 | 12,663,000 | 12,665,000 | 12,288,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 475,000 | 945,000 | 1,430,000 | 1,911,000 |
| Interest expense | 22,000 | 43,000 | 65,000 | 86,000 |
| Net interest income | 453,000 | 902,000 | 1,365,000 | 1,825,000 |
| Noninterest income | 96,000 | 165,000 | 233,000 | 310,000 |
| Noninterest expense | 391,000 | 758,000 | 1,157,000 | 1,759,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 158,000 | 309,000 | 441,000 | 376,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 158,000 | 309,000 | 441,000 | 376,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,956,000 | 12,107,000 | 12,239,000 | 12,175,000 |
| Total capital | 12,206,000 | 12,357,000 | 12,501,000 | 12,456,000 |
| Risk-weighted assets | 19,900,000 | 19,854,000 | 20,817,000 | 22,338,000 |