Call reports 2014
WATERMAN BANK — 2014
What WATERMAN BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 42,800,000 | 42,184,000 | 43,602,000 | 43,526,000 |
| Total loans | 20,038,000 | 20,135,000 | 21,099,000 | 21,774,000 |
| Allowance for loan losses | 296,000 | 286,000 | 251,000 | 289,000 |
| Securities available for sale | 18,039,000 | 17,389,000 | 17,701,000 | 16,990,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,503,000 | 34,277,000 | 34,847,000 | 35,136,000 |
| Interest-bearing deposits | 32,343,000 | 32,307,000 | 33,037,000 | 32,455,000 |
| Noninterest-bearing deposits | 2,160,000 | 1,970,000 | 1,810,000 | 2,681,000 |
| Equity capital | 3,727,000 | 3,905,000 | 3,935,000 | 3,790,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 356,000 | 715,000 | 1,084,000 | 1,460,000 |
| Interest expense | 40,000 | 78,000 | 117,000 | 158,000 |
| Net interest income | 316,000 | 637,000 | 967,000 | 1,302,000 |
| Noninterest income | 71,000 | 108,000 | 146,000 | -39,000 |
| Noninterest expense | 350,000 | 684,000 | 1,025,000 | 1,338,000 |
| Provision for loan losses | 207,000 | 207,000 | 207,000 | 267,000 |
| Pretax income | -170,000 | -146,000 | -119,000 | -329,000 |
| Income tax | 0 | 0 | 1,000 | 0 |
| Net income | -170,000 | -146,000 | -120,000 | -329,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,930,000 | 3,953,000 | 3,980,000 | 3,770,000 |
| Total capital | 4,226,000 | 4,239,000 | 4,231,000 | 4,059,000 |
| Risk-weighted assets | 27,880,000 | 27,122,000 | 27,672,000 | 28,220,000 |
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