Call reports 2011
WATKINS SAVINGS BANK, THE — 2011
What WATKINS SAVINGS BANK, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 60,707,000 | 63,084,000 | 64,508,000 | 66,919,000 |
| Total loans | 25,606,000 | 24,899,000 | 26,048,000 | 28,825,000 |
| Allowance for loan losses | 171,000 | 171,000 | 172,000 | 172,000 |
| Securities available for sale | 25,318,000 | 27,592,000 | 30,237,000 | 30,881,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,911,000 | 51,513,000 | 52,019,000 | 51,594,000 |
| Interest-bearing deposits | 43,885,000 | 45,783,000 | 46,562,000 | 45,723,000 |
| Noninterest-bearing deposits | 6,026,000 | 5,730,000 | 5,457,000 | 5,871,000 |
| Equity capital | 8,358,000 | 8,896,000 | 9,611,000 | 9,575,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 640,000 | 1,292,000 | 1,949,000 | 2,618,000 |
| Interest expense | 174,000 | 350,000 | 526,000 | 702,000 |
| Net interest income | 466,000 | 942,000 | 1,423,000 | 1,916,000 |
| Noninterest income | 16,000 | 26,000 | 37,000 | 49,000 |
| Noninterest expense | 241,000 | 509,000 | 799,000 | 1,090,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 241,000 | 463,000 | 665,000 | 879,000 |
| Income tax | 39,000 | 66,000 | 83,000 | 78,000 |
| Net income | 202,000 | 397,000 | 582,000 | 801,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,022,000 | 8,216,000 | 8,402,000 | 8,271,000 |
| Total capital | 8,193,000 | 8,387,000 | 8,574,000 | 8,443,000 |
| Risk-weighted assets | 36,576,000 | 36,201,000 | 37,619,000 | 40,052,000 |