Call reports 2006
WATKINS SAVINGS BANK, THE — 2006
What WATKINS SAVINGS BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 40,320,000 | 41,468,000 | 41,578,000 | 42,570,000 |
| Total loans | 26,368,000 | 26,934,000 | 26,769,000 | 24,998,000 |
| Allowance for loan losses | 174,000 | 170,000 | 170,000 | 171,000 |
| Securities available for sale | 10,512,000 | 11,422,000 | 13,032,000 | 13,977,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,647,000 | 34,777,000 | 34,604,000 | 35,761,000 |
| Interest-bearing deposits | 30,025,000 | 30,795,000 | 31,103,000 | 31,553,000 |
| Noninterest-bearing deposits | 3,622,000 | 3,982,000 | 3,501,000 | 4,208,000 |
| Equity capital | 6,411,000 | 6,481,000 | 6,712,000 | 6,568,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 558,000 | 1,138,000 | 1,762,000 | 2,405,000 |
| Interest expense | 209,000 | 443,000 | 699,000 | 977,000 |
| Net interest income | 349,000 | 695,000 | 1,063,000 | 1,428,000 |
| Noninterest income | 15,000 | 24,000 | 33,000 | 42,000 |
| Noninterest expense | 182,000 | 355,000 | 552,000 | 764,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 174,000 | 344,000 | 524,000 | 686,000 |
| Income tax | 61,000 | 111,000 | 171,000 | 213,000 |
| Net income | 113,000 | 233,000 | 353,000 | 473,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,531,000 | 6,651,000 | 6,771,000 | 6,621,000 |
| Total capital | 6,705,000 | 6,821,000 | 6,941,000 | 6,792,000 |
| Risk-weighted assets | 27,456,000 | 28,556,000 | 28,666,000 | 27,365,000 |