Call reports 2007
WATKINS SAVINGS BANK, THE — 2007
What WATKINS SAVINGS BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 43,179,000 | 44,405,000 | 45,327,000 | 47,910,000 |
| Total loans | 24,101,000 | 24,561,000 | 25,108,000 | 23,806,000 |
| Allowance for loan losses | 171,000 | 172,000 | 172,000 | 172,000 |
| Securities available for sale | 14,919,000 | 16,336,000 | 17,937,000 | 20,664,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,132,000 | 37,451,000 | 37,969,000 | 40,605,000 |
| Interest-bearing deposits | 32,013,000 | 33,666,000 | 34,022,000 | 35,503,000 |
| Noninterest-bearing deposits | 4,119,000 | 3,785,000 | 3,947,000 | 5,102,000 |
| Equity capital | 6,697,000 | 6,670,000 | 6,968,000 | 6,916,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 646,000 | 1,318,000 | 2,025,000 | 2,739,000 |
| Interest expense | 292,000 | 607,000 | 945,000 | 1,293,000 |
| Net interest income | 354,000 | 711,000 | 1,080,000 | 1,446,000 |
| Noninterest income | 5,000 | 27,000 | 42,000 | 56,000 |
| Noninterest expense | 182,000 | 367,000 | 555,000 | 827,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 145,000 | 339,000 | 535,000 | 643,000 |
| Income tax | 49,000 | 103,000 | 163,000 | 188,000 |
| Net income | 96,000 | 236,000 | 372,000 | 455,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,715,000 | 6,855,000 | 6,992,000 | 6,803,000 |
| Total capital | 6,886,000 | 7,027,000 | 7,164,000 | 6,975,000 |
| Risk-weighted assets | 27,309,000 | 28,041,000 | 28,741,000 | 28,319,000 |