Call reports 2009
WATKINS SAVINGS BANK, THE — 2009
What WATKINS SAVINGS BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 52,420,000 | 53,841,000 | 57,503,000 | 58,031,000 |
| Total loans | 23,616,000 | 23,583,000 | 24,574,000 | 24,893,000 |
| Allowance for loan losses | 172,000 | 172,000 | 172,000 | 172,000 |
| Securities available for sale | 21,806,000 | 22,474,000 | 25,505,000 | 25,236,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,052,000 | 45,558,000 | 45,876,000 | 47,123,000 |
| Interest-bearing deposits | 38,350,000 | 40,432,000 | 40,785,000 | 42,229,000 |
| Noninterest-bearing deposits | 4,702,000 | 5,126,000 | 5,091,000 | 4,894,000 |
| Equity capital | 7,026,000 | 7,022,000 | 7,837,000 | 7,503,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 673,000 | 1,314,000 | 1,988,000 | 2,664,000 |
| Interest expense | 275,000 | 542,000 | 800,000 | 1,042,000 |
| Net interest income | 398,000 | 772,000 | 1,188,000 | 1,622,000 |
| Noninterest income | 16,000 | 29,000 | 45,000 | 61,000 |
| Noninterest expense | 227,000 | 457,000 | 704,000 | 938,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 187,000 | 344,000 | 529,000 | 745,000 |
| Income tax | 38,000 | 72,000 | 99,000 | 104,000 |
| Net income | 149,000 | 272,000 | 430,000 | 641,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,070,000 | 7,193,000 | 7,351,000 | 7,295,000 |
| Total capital | 7,242,000 | 7,365,000 | 7,523,000 | 7,467,000 |
| Risk-weighted assets | 30,529,000 | 32,537,000 | 35,163,000 | 35,569,000 |