Call reports 2008
WATKINS SAVINGS BANK, THE — 2008
What WATKINS SAVINGS BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 48,541,000 | 48,622,000 | 49,327,000 | 50,322,000 |
| Total loans | 22,298,000 | 23,242,000 | 24,073,000 | 24,783,000 |
| Allowance for loan losses | 173,000 | 173,000 | 172,000 | 169,000 |
| Securities available for sale | 21,425,000 | 22,832,000 | 23,206,000 | 23,408,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,957,000 | 41,538,000 | 42,133,000 | 42,210,000 |
| Interest-bearing deposits | 36,431,000 | 37,146,000 | 37,527,000 | 36,684,000 |
| Noninterest-bearing deposits | 4,526,000 | 4,392,000 | 4,606,000 | 5,526,000 |
| Equity capital | 7,051,000 | 6,787,000 | 6,891,000 | 6,840,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 688,000 | 1,368,000 | 2,073,000 | 2,782,000 |
| Interest expense | 345,000 | 681,000 | 1,004,000 | 1,302,000 |
| Net interest income | 343,000 | 687,000 | 1,069,000 | 1,480,000 |
| Noninterest income | 16,000 | 29,000 | 40,000 | 51,000 |
| Noninterest expense | 195,000 | 437,000 | 652,000 | 891,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 163,000 | 278,000 | 456,000 | 639,000 |
| Income tax | 46,000 | 68,000 | 113,000 | 157,000 |
| Net income | 117,000 | 210,000 | 343,000 | 482,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,832,000 | 6,914,000 | 7,048,000 | 6,921,000 |
| Total capital | 7,005,000 | 7,087,000 | 7,220,000 | 7,090,000 |
| Risk-weighted assets | 27,798,000 | 29,233,000 | 30,274,000 | 31,028,000 |