Call reports 2013
WATKINS SAVINGS BANK, THE — 2013
What WATKINS SAVINGS BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 70,165,000 | 70,240,000 | 70,005,000 | 70,580,000 |
| Total loans | 24,275,000 | 25,503,000 | 26,443,000 | 29,055,000 |
| Allowance for loan losses | 171,000 | 171,000 | 172,000 | 172,000 |
| Securities available for sale | 35,252,000 | 34,678,000 | 35,466,000 | 34,371,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,724,000 | 56,810,000 | 56,617,000 | 57,266,000 |
| Interest-bearing deposits | 49,206,000 | 50,307,000 | 50,277,000 | 50,121,000 |
| Noninterest-bearing deposits | 6,518,000 | 6,503,000 | 6,340,000 | 7,145,000 |
| Equity capital | 10,436,000 | 9,904,000 | 9,910,000 | 9,771,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 614,000 | 1,234,000 | 1,862,000 | 2,500,000 |
| Interest expense | 147,000 | 288,000 | 426,000 | 555,000 |
| Net interest income | 467,000 | 946,000 | 1,436,000 | 1,945,000 |
| Noninterest income | 15,000 | 25,000 | 34,000 | 44,000 |
| Noninterest expense | 248,000 | 462,000 | 751,000 | 1,018,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 234,000 | 509,000 | 719,000 | 971,000 |
| Income tax | 31,000 | 67,000 | 100,000 | 147,000 |
| Net income | 203,000 | 442,000 | 619,000 | 824,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,058,000 | 9,297,000 | 9,406,000 | 9,321,000 |
| Total capital | 9,229,000 | 9,468,000 | 9,578,000 | 9,493,000 |
| Risk-weighted assets | 36,883,000 | 38,172,000 | 39,132,000 | 41,253,000 |