Call reports 2002
WATERMAN BANK — 2002
What WATERMAN BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 27,452,000 | 27,360,000 | 26,305,000 | 29,298,000 |
| Total loans | 11,938,000 | 12,270,000 | 11,096,000 | 11,607,000 |
| Allowance for loan losses | 201,000 | 191,000 | 191,000 | 200,000 |
| Securities available for sale | 13,799,000 | 14,190,000 | 13,282,000 | 14,681,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,257,000 | 23,676,000 | 22,867,000 | 25,766,000 |
| Interest-bearing deposits | 21,878,000 | 21,066,000 | 20,778,000 | 22,501,000 |
| Noninterest-bearing deposits | 2,379,000 | 2,610,000 | 2,089,000 | 3,265,000 |
| Equity capital | 2,888,000 | 3,153,000 | 3,250,000 | 3,226,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 414,000 | 825,000 | 1,227,000 | 1,618,000 |
| Interest expense | 169,000 | 327,000 | 471,000 | 604,000 |
| Net interest income | 245,000 | 498,000 | 756,000 | 1,014,000 |
| Noninterest income | 22,000 | 45,000 | 68,000 | 86,000 |
| Noninterest expense | 188,000 | 371,000 | 545,000 | 742,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 79,000 | 172,000 | 279,000 | 348,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 79,000 | 172,000 | 279,000 | 348,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,901,000 | 2,939,000 | 2,991,000 | 2,880,000 |
| Total capital | 3,057,000 | 3,100,000 | 3,142,000 | 3,041,000 |
| Risk-weighted assets | 12,467,000 | 12,812,000 | 12,020,000 | 12,878,000 |
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