Call reports 2005
WATKINS SAVINGS BANK, THE — 2005
What WATKINS SAVINGS BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 41,779,000 | 40,992,000 | 42,649,000 | 41,449,000 |
| Total loans | 27,998,000 | 27,011,000 | 29,071,000 | 27,251,000 |
| Allowance for loan losses | 151,000 | 151,000 | 171,000 | 173,000 |
| Securities available for sale | 9,295,000 | 8,679,000 | 8,506,000 | 8,311,000 |
| Securities held to maturity | 2,956,000 | 2,616,000 | 2,596,000 | 2,596,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,157,000 | 33,586,000 | 33,231,000 | 34,903,000 |
| Interest-bearing deposits | 29,492,000 | 29,807,000 | 29,782,000 | 30,292,000 |
| Noninterest-bearing deposits | 3,665,000 | 3,779,000 | 3,449,000 | 4,611,000 |
| Equity capital | 6,185,000 | 6,398,000 | 6,493,000 | 6,310,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 528,000 | 1,073,000 | 1,642,000 | 2,218,000 |
| Interest expense | 168,000 | 345,000 | 533,000 | 736,000 |
| Net interest income | 360,000 | 728,000 | 1,109,000 | 1,482,000 |
| Noninterest income | 14,000 | 27,000 | 38,000 | 50,000 |
| Noninterest expense | 166,000 | 332,000 | 516,000 | 716,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 32,000 |
| Pretax income | 208,000 | 423,000 | 611,000 | 784,000 |
| Income tax | 70,000 | 137,000 | 205,000 | 242,000 |
| Net income | 138,000 | 286,000 | 406,000 | 542,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,285,000 | 6,432,000 | 6,551,000 | 6,420,000 |
| Total capital | 6,436,000 | 6,583,000 | 6,722,000 | 6,593,000 |
| Risk-weighted assets | 28,995,000 | 27,986,000 | 30,330,000 | 28,378,000 |