Call reports 2007
WATERMAN BANK — 2007
What WATERMAN BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 28,272,000 | 28,576,000 | 28,091,000 | 32,187,000 |
| Total loans | 14,415,000 | 13,615,000 | 13,964,000 | 14,447,000 |
| Allowance for loan losses | 285,000 | 292,000 | 293,000 | 293,000 |
| Securities available for sale | 11,681,000 | 12,014,000 | 10,553,000 | 10,295,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,069,000 | 25,393,000 | 24,815,000 | 28,701,000 |
| Interest-bearing deposits | 22,383,000 | 22,833,000 | 22,242,000 | 22,960,000 |
| Noninterest-bearing deposits | 2,686,000 | 2,560,000 | 2,573,000 | 5,741,000 |
| Equity capital | 2,926,000 | 2,762,000 | 2,935,000 | 3,073,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 410,000 | 813,000 | 1,220,000 | 1,641,000 |
| Interest expense | 179,000 | 368,000 | 553,000 | 730,000 |
| Net interest income | 231,000 | 445,000 | 667,000 | 911,000 |
| Noninterest income | 26,000 | 46,000 | 62,000 | 74,000 |
| Noninterest expense | 189,000 | 386,000 | 585,000 | 773,000 |
| Provision for loan losses | 8,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 60,000 | 90,000 | 129,000 | 198,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 60,000 | 90,000 | 129,000 | 198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,046,000 | 3,019,000 | 3,046,000 | 3,078,000 |
| Total capital | 3,244,000 | 3,217,000 | 3,243,000 | 3,298,000 |
| Risk-weighted assets | 15,740,000 | 15,298,000 | 15,761,000 | 17,680,000 |
Machine access — free, no API key
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