Call reports 2005
WATERMAN BANK — 2005
What WATERMAN BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 25,540,000 | 26,927,000 | 26,278,000 | 28,272,000 |
| Total loans | 11,732,000 | 13,110,000 | 13,703,000 | 13,913,000 |
| Allowance for loan losses | 227,000 | 231,000 | 235,000 | 248,000 |
| Securities available for sale | 12,929,000 | 12,930,000 | 12,036,000 | 12,934,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,497,000 | 21,835,000 | 22,068,000 | 25,197,000 |
| Interest-bearing deposits | 20,011,000 | 19,288,000 | 19,316,000 | 21,592,000 |
| Noninterest-bearing deposits | 2,486,000 | 2,547,000 | 2,752,000 | 3,605,000 |
| Equity capital | 2,866,000 | 3,029,000 | 3,000,000 | 2,798,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 317,000 | 651,000 | 1,002,000 | 1,370,000 |
| Interest expense | 77,000 | 164,000 | 266,000 | 382,000 |
| Net interest income | 240,000 | 487,000 | 736,000 | 988,000 |
| Noninterest income | 29,000 | 59,000 | 83,000 | 113,000 |
| Noninterest expense | 159,000 | 311,000 | 491,000 | 683,000 |
| Provision for loan losses | 5,000 | 10,000 | 15,000 | 30,000 |
| Pretax income | 105,000 | 225,000 | 313,000 | 388,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 105,000 | 225,000 | 313,000 | 388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,044,000 | 3,108,000 | 3,141,000 | 3,036,000 |
| Total capital | 3,205,000 | 3,285,000 | 3,322,000 | 3,223,000 |
| Risk-weighted assets | 12,794,000 | 14,132,000 | 14,393,000 | 14,939,000 |
Machine access — free, no API key
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