Call reports 2010
WATKINS SAVINGS BANK, THE — 2010
What WATKINS SAVINGS BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 58,446,000 | 57,564,000 | 58,528,000 | 58,243,000 |
| Total loans | 25,823,000 | 25,518,000 | 25,162,000 | 26,169,000 |
| Allowance for loan losses | 172,000 | 172,000 | 172,000 | 171,000 |
| Securities available for sale | 25,065,000 | 24,719,000 | 25,080,000 | 24,351,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,267,000 | 47,044,000 | 47,069,000 | 48,086,000 |
| Interest-bearing deposits | 43,351,000 | 42,459,000 | 42,155,000 | 42,480,000 |
| Noninterest-bearing deposits | 4,916,000 | 4,585,000 | 4,914,000 | 5,606,000 |
| Equity capital | 7,738,000 | 8,021,000 | 8,668,000 | 7,852,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 674,000 | 1,353,000 | 2,008,000 | 2,656,000 |
| Interest expense | 219,000 | 428,000 | 628,000 | 813,000 |
| Net interest income | 455,000 | 925,000 | 1,380,000 | 1,843,000 |
| Noninterest income | 15,000 | 28,000 | 41,000 | 50,000 |
| Noninterest expense | 235,000 | 456,000 | 696,000 | 942,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 235,000 | 497,000 | 725,000 | 951,000 |
| Income tax | 37,000 | 85,000 | 127,000 | 131,000 |
| Net income | 198,000 | 412,000 | 598,000 | 820,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,493,000 | 7,708,000 | 7,894,000 | 7,819,000 |
| Total capital | 7,665,000 | 7,880,000 | 8,066,000 | 7,990,000 |
| Risk-weighted assets | 36,376,000 | 35,729,000 | 35,582,000 | 36,590,000 |