Call reports 2004
WATKINS SAVINGS BANK, THE — 2004
What WATKINS SAVINGS BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 39,920,000 | 39,923,000 | 42,875,000 | 40,554,000 |
| Total loans | 22,643,000 | 23,457,000 | 27,716,000 | 26,198,000 |
| Allowance for loan losses | 151,000 | 151,000 | 151,000 | 151,000 |
| Securities available for sale | 10,113,000 | 10,680,000 | 10,461,000 | 9,499,000 |
| Securities held to maturity | 3,752,000 | 3,007,000 | 3,007,000 | 2,956,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,573,000 | 33,713,000 | 33,221,000 | 34,209,000 |
| Interest-bearing deposits | 29,768,000 | 29,915,000 | 29,584,000 | 28,543,000 |
| Noninterest-bearing deposits | 3,805,000 | 3,798,000 | 3,637,000 | 5,666,000 |
| Equity capital | 6,087,000 | 6,022,000 | 6,293,000 | 6,114,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 489,000 | 974,000 | 1,500,000 | 2,046,000 |
| Interest expense | 175,000 | 349,000 | 520,000 | 696,000 |
| Net interest income | 314,000 | 625,000 | 980,000 | 1,350,000 |
| Noninterest income | 18,000 | 41,000 | 62,000 | 79,000 |
| Noninterest expense | 163,000 | 318,000 | 495,000 | 701,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 169,000 | 348,000 | 547,000 | 728,000 |
| Income tax | 57,000 | 127,000 | 201,000 | 266,000 |
| Net income | 112,000 | 221,000 | 346,000 | 462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,067,000 | 6,176,000 | 6,301,000 | 6,146,000 |
| Total capital | 6,218,000 | 6,327,000 | 6,452,000 | 6,297,000 |
| Risk-weighted assets | 24,212,000 | 24,883,000 | 28,813,000 | 26,992,000 |