Call reports 2013
WATERMAN BANK — 2013
What WATERMAN BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 41,985,000 | 40,653,000 | 42,640,000 | 41,058,000 |
| Total loans | 22,676,000 | 21,528,000 | 21,496,000 | 22,117,000 |
| Allowance for loan losses | 636,000 | 461,000 | 461,000 | 585,000 |
| Securities available for sale | 15,094,000 | 13,968,000 | 16,870,000 | 14,130,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,023,000 | 34,412,000 | 34,507,000 | 34,223,000 |
| Interest-bearing deposits | 32,034,000 | 32,301,000 | 32,991,000 | 31,839,000 |
| Noninterest-bearing deposits | 1,989,000 | 2,111,000 | 1,516,000 | 2,384,000 |
| Equity capital | 3,984,000 | 3,354,000 | 3,974,000 | 3,846,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 345,000 | 688,000 | 1,036,000 | 1,414,000 |
| Interest expense | 81,000 | 151,000 | 229,000 | 278,000 |
| Net interest income | 264,000 | 537,000 | 807,000 | 1,136,000 |
| Noninterest income | 38,000 | 84,000 | 108,000 | 169,000 |
| Noninterest expense | 353,000 | 755,000 | 1,095,000 | 1,452,000 |
| Provision for loan losses | 0 | 339,000 | 339,000 | 461,000 |
| Pretax income | -51,000 | -443,000 | -489,000 | -577,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | -53,000 | -445,000 | -491,000 | -579,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,896,000 | 3,505,000 | 4,186,000 | 4,100,000 |
| Total capital | 4,235,000 | 3,852,000 | 4,540,000 | 4,478,000 |
| Risk-weighted assets | 26,832,000 | 27,619,000 | 28,251,000 | 30,001,000 |
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