Call reports 2003
WATKINS SAVINGS BANK, THE — 2003
What WATKINS SAVINGS BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 39,235,000 | 39,441,000 | 39,896,000 | 39,720,000 |
| Total loans | 20,786,000 | 21,371,000 | 23,553,000 | 22,681,000 |
| Allowance for loan losses | 168,000 | 168,000 | 168,000 | 168,000 |
| Securities available for sale | 6,848,000 | 9,619,000 | 10,376,000 | 10,117,000 |
| Securities held to maturity | 5,805,000 | 4,880,000 | 4,862,000 | 4,452,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,114,000 | 33,141,000 | 32,740,000 | 33,595,000 |
| Interest-bearing deposits | 29,089,000 | 29,564,000 | 29,248,000 | 29,438,000 |
| Noninterest-bearing deposits | 4,025,000 | 3,577,000 | 3,492,000 | 4,157,000 |
| Equity capital | 5,891,000 | 6,047,000 | 6,080,000 | 5,909,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 506,000 | 1,006,000 | 1,514,000 | 2,026,000 |
| Interest expense | 207,000 | 407,000 | 600,000 | 784,000 |
| Net interest income | 299,000 | 599,000 | 914,000 | 1,242,000 |
| Noninterest income | 21,000 | 41,000 | 58,000 | 70,000 |
| Noninterest expense | 146,000 | 292,000 | 460,000 | 668,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 174,000 | 348,000 | 513,000 | 645,000 |
| Income tax | 45,000 | 78,000 | 111,000 | 173,000 |
| Net income | 129,000 | 270,000 | 402,000 | 472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,881,000 | 6,022,000 | 6,154,000 | 5,955,000 |
| Total capital | 6,049,000 | 6,190,000 | 6,322,000 | 6,123,000 |
| Risk-weighted assets | 22,320,000 | 22,874,000 | 25,267,000 | 24,528,000 |