Call reports 2002
WATKINS SAVINGS BANK, THE — 2002
What WATKINS SAVINGS BANK, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 37,637,000 | 37,820,000 | 38,377,000 | 39,524,000 |
| Total loans | 20,503,000 | 21,368,000 | 21,895,000 | 20,468,000 |
| Allowance for loan losses | 141,000 | 143,000 | 144,000 | 167,000 |
| Securities available for sale | 0 | 0 | 0 | 6,889,000 |
| Securities held to maturity | 14,863,000 | 13,802,000 | 12,147,000 | 9,054,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,724,000 | 31,794,000 | 32,210,000 | 33,592,000 |
| Interest-bearing deposits | 28,601,000 | 28,109,000 | 28,756,000 | 29,473,000 |
| Noninterest-bearing deposits | 3,123,000 | 3,685,000 | 3,454,000 | 4,119,000 |
| Equity capital | 5,707,000 | 5,840,000 | 5,982,000 | 5,745,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 562,000 | 1,118,000 | 1,686,000 | 2,201,000 |
| Interest expense | 275,000 | 530,000 | 767,000 | 994,000 |
| Net interest income | 287,000 | 588,000 | 919,000 | 1,207,000 |
| Noninterest income | 17,000 | 29,000 | 35,000 | 71,000 |
| Noninterest expense | 126,000 | 262,000 | 413,000 | 612,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 178,000 | 355,000 | 542,000 | 649,000 |
| Income tax | 45,000 | 89,000 | 134,000 | 200,000 |
| Net income | 133,000 | 266,000 | 408,000 | 449,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,707,000 | 5,840,000 | 5,982,000 | 5,752,000 |
| Total capital | 5,848,000 | 5,983,000 | 6,126,000 | 5,919,000 |
| Risk-weighted assets | 21,919,000 | 22,479,000 | 23,234,000 | 21,945,000 |