Call reports 2001
WATKINS SAVINGS BANK, THE — 2001
What WATKINS SAVINGS BANK, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 36,417,000 | 36,786,000 | 37,234,000 | 38,076,000 |
| Total loans | 19,689,000 | 20,276,000 | 21,601,000 | 20,570,000 |
| Allowance for loan losses | 134,000 | 136,000 | 138,000 | 140,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 11,739,000 | 10,181,000 | 11,705,000 | 14,754,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,611,000 | 30,882,000 | 31,216,000 | 32,286,000 |
| Interest-bearing deposits | 27,911,000 | 28,137,000 | 28,319,000 | 28,801,000 |
| Noninterest-bearing deposits | 2,700,000 | 2,745,000 | 2,897,000 | 3,485,000 |
| Equity capital | 5,564,000 | 5,671,000 | 5,782,000 | 5,573,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 635,000 | 1,257,000 | 1,885,000 | 2,481,000 |
| Interest expense | 348,000 | 699,000 | 1,037,000 | 1,345,000 |
| Net interest income | 287,000 | 558,000 | 848,000 | 1,136,000 |
| Noninterest income | 12,000 | 20,000 | 27,000 | 36,000 |
| Noninterest expense | 129,000 | 261,000 | 402,000 | 616,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 172,000 | 327,000 | 487,000 | 571,000 |
| Income tax | 55,000 | 103,000 | 152,000 | 174,000 |
| Net income | 117,000 | 224,000 | 335,000 | 397,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,564,000 | 5,671,000 | 5,782,000 | 5,573,000 |
| Total capital | 5,698,000 | 5,807,000 | 5,920,000 | 5,713,000 |
| Risk-weighted assets | 21,317,000 | 21,495,000 | 22,535,000 | 21,793,000 |