Call reports 2010
WATERMAN BANK — 2010
What WATERMAN BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 43,843,000 | 43,912,000 | 46,051,000 | 44,425,000 |
| Total loans | 23,084,000 | 24,988,000 | 25,783,000 | 25,051,000 |
| Allowance for loan losses | 311,000 | 167,000 | 232,000 | 511,000 |
| Securities available for sale | 16,968,000 | 14,552,000 | 16,287,000 | 15,509,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,851,000 | 37,311,000 | 38,468,000 | 38,037,000 |
| Interest-bearing deposits | 33,035,000 | 34,249,000 | 35,161,000 | 34,152,000 |
| Noninterest-bearing deposits | 3,816,000 | 3,062,000 | 3,307,000 | 3,885,000 |
| Equity capital | 3,603,000 | 3,895,000 | 3,905,000 | 3,397,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 536,000 | 1,051,000 | 1,603,000 | 2,135,000 |
| Interest expense | 157,000 | 306,000 | 455,000 | 601,000 |
| Net interest income | 379,000 | 745,000 | 1,148,000 | 1,534,000 |
| Noninterest income | 25,000 | 42,000 | 56,000 | 72,000 |
| Noninterest expense | 304,000 | 601,000 | 911,000 | 1,242,000 |
| Provision for loan losses | 13,000 | 25,000 | 90,000 | 369,000 |
| Pretax income | 91,000 | 172,000 | 283,000 | 101,000 |
| Income tax | 1,000 | 1,000 | 3,000 | 5,000 |
| Net income | 90,000 | 171,000 | 280,000 | 96,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,562,000 | 3,612,000 | 3,691,000 | 3,508,000 |
| Total capital | 3,873,000 | 3,779,000 | 3,923,000 | 3,871,000 |
| Risk-weighted assets | 29,094,000 | 29,805,000 | 29,554,000 | 28,856,000 |
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