Call reports 2025
WATERMAN BANK — 2025
What WATERMAN BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 171,652,000 | 163,596,000 | 165,707,000 | 166,871,000 |
| Total loans | 93,164,000 | 110,625,000 | 111,548,000 | 117,235,000 |
| Allowance for loan losses | 488,000 | 527,000 | 576,000 | 619,000 |
| Securities available for sale | 9,872,000 | 9,837,000 | 9,833,000 | 9,773,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,864,000 | 135,864,000 | 137,488,000 | 138,121,000 |
| Interest-bearing deposits | 134,862,000 | 129,647,000 | 137,480,000 | 129,491,000 |
| Noninterest-bearing deposits | 9,002,000 | 6,217,000 | 8,000 | 8,630,000 |
| Equity capital | 24,639,000 | 24,824,000 | 25,104,000 | 25,393,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,736,000 | 5,452,000 | 8,353,000 | 11,308,000 |
| Interest expense | 988,000 | 2,059,000 | 3,132,000 | 4,172,000 |
| Net interest income | 1,748,000 | 3,393,000 | 5,221,000 | 7,136,000 |
| Noninterest income | 347,000 | 834,000 | 1,408,000 | 2,063,000 |
| Noninterest expense | 1,869,000 | 3,713,000 | 5,711,000 | 7,803,000 |
| Provision for loan losses | 50,000 | 89,000 | 149,000 | 192,000 |
| Pretax income | 176,000 | 404,000 | 748,000 | 1,166,000 |
| Income tax | 54,000 | 123,000 | 228,000 | 355,000 |
| Net income | 122,000 | 281,000 | 520,000 | 811,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,990,000 | 21,202,000 | 21,494,000 | 21,829,000 |
| Total capital | 21,478,000 | 21,750,000 | 22,091,000 | 22,486,000 |
| Risk-weighted assets | 91,476,000 | 101,815,000 | 102,172,000 | 113,215,000 |
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