Call reports 2019
WATERMAN BANK — 2019
What WATERMAN BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 33,246,000 | 32,367,000 | 33,551,000 | 33,731,000 |
| Total loans | 16,872,000 | 15,926,000 | 15,563,000 | 16,501,000 |
| Allowance for loan losses | 247,000 | 199,000 | 198,000 | 198,000 |
| Securities available for sale | 12,018,000 | 11,590,000 | 10,940,000 | 10,098,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,644,000 | 24,986,000 | 26,333,000 | 28,301,000 |
| Interest-bearing deposits | 25,128,000 | 23,114,000 | 24,564,000 | 26,498,000 |
| Noninterest-bearing deposits | 1,516,000 | 1,872,000 | 1,769,000 | 1,803,000 |
| Equity capital | 3,437,000 | 3,601,000 | 3,679,000 | 3,662,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 309,000 | 627,000 | 933,000 | 1,243,000 |
| Interest expense | 65,000 | 132,000 | 202,000 | 275,000 |
| Net interest income | 244,000 | 495,000 | 731,000 | 968,000 |
| Noninterest income | 26,000 | 52,000 | 75,000 | 100,000 |
| Noninterest expense | 259,000 | 535,000 | 782,000 | 1,047,000 |
| Provision for loan losses | 6,000 | -42,000 | -42,000 | -42,000 |
| Pretax income | 5,000 | 54,000 | 66,000 | 63,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 5,000 | 54,000 | 66,000 | 63,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,614,000 | 3,662,000 | 3,675,000 | 3,671,000 |
| Total capital | 3,861,000 | 3,861,000 | 3,873,000 | 3,869,000 |
| Risk-weighted assets | 21,885,000 | 22,051,000 | 21,280,000 | 22,209,000 |
Machine access — free, no API key
Every figure shown here about WATERMAN BANK — 2019 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.