Call reports 2006
WATERMAN BANK — 2006
What WATERMAN BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 27,899,000 | 28,736,000 | 29,815,000 | 30,090,000 |
| Total loans | 13,851,000 | 14,746,000 | 15,345,000 | 14,993,000 |
| Allowance for loan losses | 256,000 | 261,000 | 277,000 | 277,000 |
| Securities available for sale | 12,928,000 | 13,199,000 | 12,657,000 | 12,305,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,296,000 | 24,724,000 | 25,956,000 | 26,779,000 |
| Interest-bearing deposits | 21,748,000 | 21,880,000 | 23,462,000 | 22,631,000 |
| Noninterest-bearing deposits | 2,548,000 | 2,844,000 | 2,494,000 | 4,148,000 |
| Equity capital | 2,791,000 | 2,681,000 | 2,878,000 | 2,884,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 373,000 | 763,000 | 1,186,000 | 1,607,000 |
| Interest expense | 127,000 | 279,000 | 462,000 | 648,000 |
| Net interest income | 246,000 | 484,000 | 724,000 | 959,000 |
| Noninterest income | 25,000 | 63,000 | 88,000 | 108,000 |
| Noninterest expense | 175,000 | 354,000 | 556,000 | 739,000 |
| Provision for loan losses | 5,000 | 10,000 | 25,000 | 25,000 |
| Pretax income | 91,000 | 183,000 | 225,000 | 297,000 |
| Income tax | 0 | 0 | 0 | 2,000 |
| Net income | 91,000 | 183,000 | 225,000 | 295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,071,000 | 3,108,000 | 3,094,000 | 3,041,000 |
| Total capital | 3,257,000 | 3,306,000 | 3,305,000 | 3,249,000 |
| Risk-weighted assets | 14,779,000 | 15,756,000 | 16,824,000 | 16,565,000 |
Machine access — free, no API key
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