Call reports 2012
WATKINS SAVINGS BANK, THE — 2012
What WATKINS SAVINGS BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 66,927,000 | 68,450,000 | 67,608,000 | 68,356,000 |
| Total loans | 26,773,000 | 25,421,000 | 25,518,000 | 26,648,000 |
| Allowance for loan losses | 172,000 | 172,000 | 172,000 | 172,000 |
| Securities available for sale | 31,217,000 | 34,771,000 | 34,848,000 | 35,398,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,245,000 | 54,113,000 | 52,955,000 | 53,469,000 |
| Interest-bearing deposits | 44,944,000 | 48,367,000 | 47,070,000 | 46,928,000 |
| Noninterest-bearing deposits | 8,301,000 | 5,746,000 | 5,885,000 | 6,541,000 |
| Equity capital | 9,707,000 | 10,135,000 | 10,394,000 | 10,316,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 680,000 | 1,337,000 | 1,982,000 | 2,612,000 |
| Interest expense | 171,000 | 339,000 | 502,000 | 656,000 |
| Net interest income | 509,000 | 998,000 | 1,480,000 | 1,956,000 |
| Noninterest income | 14,000 | 25,000 | 35,000 | 46,000 |
| Noninterest expense | 249,000 | 489,000 | 744,000 | 994,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 274,000 | 533,000 | 770,000 | 1,009,000 |
| Income tax | 45,000 | 85,000 | 119,000 | 133,000 |
| Net income | 229,000 | 448,000 | 651,000 | 876,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,501,000 | 8,719,000 | 8,923,000 | 8,855,000 |
| Total capital | 8,673,000 | 8,891,000 | 9,095,000 | 9,027,000 |
| Risk-weighted assets | 38,382,000 | 37,594,000 | 37,606,000 | 38,343,000 |