Call reports 2003
WATERMAN BANK — 2003
What WATERMAN BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 28,075,000 | 27,259,000 | 26,356,000 | 27,176,000 |
| Total loans | 11,414,000 | 11,213,000 | 11,185,000 | 11,104,000 |
| Allowance for loan losses | 200,000 | 200,000 | 199,000 | 200,000 |
| Securities available for sale | 14,906,000 | 15,180,000 | 14,424,000 | 14,677,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,659,000 | 23,598,000 | 22,947,000 | 23,822,000 |
| Interest-bearing deposits | 22,027,000 | 21,124,000 | 20,723,000 | 20,753,000 |
| Noninterest-bearing deposits | 2,632,000 | 2,474,000 | 2,224,000 | 3,069,000 |
| Equity capital | 3,188,000 | 3,281,000 | 3,122,000 | 3,036,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 364,000 | 716,000 | 1,045,000 | 1,375,000 |
| Interest expense | 115,000 | 219,000 | 308,000 | 391,000 |
| Net interest income | 249,000 | 497,000 | 737,000 | 984,000 |
| Noninterest income | 24,000 | 44,000 | 64,000 | 90,000 |
| Noninterest expense | 154,000 | 305,000 | 458,000 | 631,000 |
| Provision for loan losses | 0 | 0 | 0 | 9,000 |
| Pretax income | 127,000 | 244,000 | 353,000 | 444,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 127,000 | 244,000 | 353,000 | 444,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,951,000 | 3,014,000 | 3,067,000 | 2,977,000 |
| Total capital | 3,110,000 | 3,168,000 | 3,224,000 | 3,136,000 |
| Risk-weighted assets | 12,692,000 | 12,357,000 | 12,480,000 | 12,642,000 |
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