Call reports 2016
WATERMAN BANK — 2016
What WATERMAN BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 40,751,000 | 38,246,000 | 40,071,000 | 38,507,000 |
| Total loans | 18,710,000 | 16,924,000 | 17,511,000 | 16,964,000 |
| Allowance for loan losses | 288,000 | 590,000 | 630,000 | 597,000 |
| Securities available for sale | 18,294,000 | 17,526,000 | 19,126,000 | 17,678,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,469,000 | 32,879,000 | 32,737,000 | 32,834,000 |
| Interest-bearing deposits | 31,090,000 | 30,938,000 | 31,123,000 | 30,875,000 |
| Noninterest-bearing deposits | 1,379,000 | 1,941,000 | 1,614,000 | 1,959,000 |
| Equity capital | 3,828,000 | 3,087,000 | 3,547,000 | 3,019,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 338,000 | 652,000 | 953,000 | 1,256,000 |
| Interest expense | 42,000 | 85,000 | 128,000 | 172,000 |
| Net interest income | 296,000 | 567,000 | 825,000 | 1,084,000 |
| Noninterest income | 31,000 | 59,000 | 88,000 | 114,000 |
| Noninterest expense | 294,000 | 610,000 | 860,000 | 1,131,000 |
| Provision for loan losses | 4,000 | 784,000 | 824,000 | 904,000 |
| Pretax income | 29,000 | -768,000 | -771,000 | -837,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 29,000 | -768,000 | -771,000 | -837,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,737,000 | 2,939,000 | 3,336,000 | 3,270,000 |
| Total capital | 4,025,000 | 3,275,000 | 3,643,000 | 3,565,000 |
| Risk-weighted assets | 25,415,000 | 26,652,000 | 24,213,000 | 23,273,000 |
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