Call reports 2009
WATERMAN BANK — 2009
What WATERMAN BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 38,610,000 | 41,821,000 | 42,480,000 | 44,361,000 |
| Total loans | 18,038,000 | 18,966,000 | 20,659,000 | 22,687,000 |
| Allowance for loan losses | 274,000 | 286,000 | 320,000 | 319,000 |
| Securities available for sale | 16,954,000 | 18,269,000 | 18,290,000 | 17,540,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,684,000 | 35,699,000 | 35,606,000 | 38,257,000 |
| Interest-bearing deposits | 29,028,000 | 31,166,000 | 32,135,000 | 34,367,000 |
| Noninterest-bearing deposits | 3,656,000 | 4,533,000 | 3,471,000 | 3,890,000 |
| Equity capital | 3,392,000 | 3,046,000 | 3,440,000 | 3,421,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 531,000 | 1,060,000 | 1,617,000 | 2,132,000 |
| Interest expense | 166,000 | 340,000 | 512,000 | 684,000 |
| Net interest income | 365,000 | 720,000 | 1,105,000 | 1,448,000 |
| Noninterest income | 26,000 | 48,000 | 69,000 | 89,000 |
| Noninterest expense | 274,000 | 560,000 | 865,000 | 1,150,000 |
| Provision for loan losses | 5,000 | 10,000 | 45,000 | 50,000 |
| Pretax income | 121,000 | 224,000 | 300,000 | 403,000 |
| Income tax | 1,000 | 2,000 | 2,000 | 2,000 |
| Net income | 120,000 | 222,000 | 298,000 | 401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,311,000 | 3,384,000 | 3,429,000 | 3,502,000 |
| Total capital | 3,585,000 | 3,670,000 | 3,749,000 | 3,821,000 |
| Risk-weighted assets | 22,591,000 | 25,377,000 | 26,548,000 | 28,331,000 |
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