Call reports 2011
WATERMAN BANK — 2011
What WATERMAN BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 45,032,000 | 46,193,000 | 48,568,000 | 47,841,000 |
| Total loans | 24,647,000 | 24,453,000 | 24,683,000 | 24,286,000 |
| Allowance for loan losses | 510,000 | 510,000 | 510,000 | 547,000 |
| Securities available for sale | 17,092,000 | 17,190,000 | 20,201,000 | 18,552,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,909,000 | 39,694,000 | 40,175,000 | 40,144,000 |
| Interest-bearing deposits | 34,638,000 | 35,519,000 | 36,746,000 | 33,992,000 |
| Noninterest-bearing deposits | 3,271,000 | 4,175,000 | 3,429,000 | 6,152,000 |
| Equity capital | 3,689,000 | 4,071,000 | 4,379,000 | 4,166,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 521,000 | 1,062,000 | 1,604,000 | 2,086,000 |
| Interest expense | 140,000 | 277,000 | 408,000 | 523,000 |
| Net interest income | 381,000 | 785,000 | 1,196,000 | 1,563,000 |
| Noninterest income | 23,000 | 40,000 | 62,000 | 77,000 |
| Noninterest expense | 330,000 | 624,000 | 926,000 | 1,211,000 |
| Provision for loan losses | 0 | 2,000 | 8,000 | 49,000 |
| Pretax income | 81,000 | 223,000 | 429,000 | 494,000 |
| Income tax | 1,000 | 3,000 | 4,000 | 9,000 |
| Net income | 80,000 | 220,000 | 425,000 | 485,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,757,000 | 3,868,000 | 4,043,000 | 3,998,000 |
| Total capital | 4,112,000 | 4,219,000 | 4,395,000 | 4,356,000 |
| Risk-weighted assets | 28,218,000 | 27,927,000 | 27,971,000 | 28,452,000 |
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