Call reports 2020
WALTERS BANK AND TRUST COMPANY — 2020
What WALTERS BANK AND TRUST COMPANY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 52,630,000 | 57,832,000 | 57,382,000 | 59,582,000 |
| Total loans | 28,173,000 | 26,195,000 | 25,936,000 | 28,416,000 |
| Allowance for loan losses | 384,000 | 375,000 | 378,000 | 398,000 |
| Securities available for sale | 16,771,000 | 16,239,000 | 14,708,000 | 14,660,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,936,000 | 45,015,000 | 44,533,000 | 46,818,000 |
| Interest-bearing deposits | 29,206,000 | 30,962,000 | 30,062,000 | 32,286,000 |
| Noninterest-bearing deposits | 10,730,000 | 14,053,000 | 14,471,000 | 14,532,000 |
| Equity capital | 12,653,000 | 12,767,000 | 12,776,000 | 12,748,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 518,000 | 1,008,000 | 1,464,000 | 1,910,000 |
| Interest expense | 24,000 | 45,000 | 60,000 | 73,000 |
| Net interest income | 494,000 | 963,000 | 1,404,000 | 1,837,000 |
| Noninterest income | 96,000 | 167,000 | 208,000 | 309,000 |
| Noninterest expense | 396,000 | 782,000 | 1,191,000 | 1,663,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 194,000 | 348,000 | 421,000 | 458,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 194,000 | 348,000 | 421,000 | 458,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,190,000 | 12,344,000 | 12,417,000 | 12,454,000 |
| Total capital | 12,483,000 | 12,615,000 | 12,687,000 | 12,756,000 |
| Risk-weighted assets | 23,357,000 | 21,588,000 | 21,516,000 | 24,086,000 |