Call reports 2014
WATKINS SAVINGS BANK, THE — 2014
What WATKINS SAVINGS BANK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 70,616,000 | 71,008,000 | 69,305,000 | 69,930,000 |
| Total loans | 26,461,000 | 27,410,000 | 27,592,000 | 28,596,000 |
| Allowance for loan losses | 172,000 | 173,000 | 171,000 | 172,000 |
| Securities available for sale | 35,080,000 | 37,603,000 | 37,521,000 | 37,481,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,085,000 | 59,745,000 | 57,825,000 | 58,529,000 |
| Interest-bearing deposits | 51,732,000 | 52,536,000 | 51,595,000 | 51,419,000 |
| Noninterest-bearing deposits | 7,353,000 | 7,209,000 | 6,230,000 | 7,110,000 |
| Equity capital | 10,109,000 | 10,570,000 | 10,827,000 | 10,779,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 623,000 | 1,240,000 | 1,877,000 | 2,504,000 |
| Interest expense | 123,000 | 245,000 | 364,000 | 479,000 |
| Net interest income | 500,000 | 995,000 | 1,513,000 | 2,025,000 |
| Noninterest income | 11,000 | 20,000 | 28,000 | 39,000 |
| Noninterest expense | 265,000 | 545,000 | 783,000 | 1,061,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 246,000 | 471,000 | 759,000 | 1,004,000 |
| Income tax | 41,000 | 64,000 | 80,000 | 104,000 |
| Net income | 205,000 | 407,000 | 679,000 | 900,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,526,000 | 9,729,000 | 10,000,000 | 9,902,000 |
| Total capital | 9,698,000 | 9,902,000 | 10,171,000 | 10,074,000 |
| Risk-weighted assets | 39,216,000 | 39,251,000 | 39,723,000 | 40,451,000 |