Call reports 2004
WATERMAN BANK — 2004
What WATERMAN BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 27,958,000 | 26,273,000 | 26,095,000 | 26,310,000 |
| Total loans | 11,354,000 | 11,453,000 | 11,535,000 | 11,541,000 |
| Allowance for loan losses | 200,000 | 138,000 | 222,000 | 224,000 |
| Securities available for sale | 15,846,000 | 14,028,000 | 13,676,000 | 12,987,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,199,000 | 22,416,000 | 22,210,000 | 23,059,000 |
| Interest-bearing deposits | 21,322,000 | 19,861,000 | 19,945,000 | 19,582,000 |
| Noninterest-bearing deposits | 2,877,000 | 2,555,000 | 2,265,000 | 3,477,000 |
| Equity capital | 3,200,000 | 2,850,000 | 3,063,000 | 2,959,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 334,000 | 650,000 | 971,000 | 1,294,000 |
| Interest expense | 77,000 | 150,000 | 223,000 | 298,000 |
| Net interest income | 257,000 | 500,000 | 748,000 | 996,000 |
| Noninterest income | 32,000 | 56,000 | 87,000 | 110,000 |
| Noninterest expense | 169,000 | 347,000 | 510,000 | 668,000 |
| Provision for loan losses | 0 | 0 | 90,000 | 93,000 |
| Pretax income | 120,000 | 209,000 | 236,000 | 349,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 120,000 | 209,000 | 236,000 | 349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,042,000 | 3,075,000 | 3,047,000 | 2,994,000 |
| Total capital | 3,204,000 | 3,213,000 | 3,206,000 | 3,154,000 |
| Risk-weighted assets | 12,893,000 | 12,647,000 | 12,646,000 | 12,765,000 |
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