Call reports 2015
WATKINS SAVINGS BANK, THE — 2015
What WATKINS SAVINGS BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 72,385,000 | 70,639,000 | 70,631,000 | 69,839,000 |
| Total loans | 26,249,000 | 25,928,000 | 25,894,000 | 26,641,000 |
| Allowance for loan losses | 172,000 | 172,000 | 172,000 | 172,000 |
| Securities available for sale | 39,860,000 | 39,207,000 | 40,057,000 | 41,420,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,345,000 | 58,968,000 | 58,619,000 | 57,965,000 |
| Interest-bearing deposits | 53,142,000 | 52,074,000 | 50,998,000 | 50,401,000 |
| Noninterest-bearing deposits | 7,203,000 | 6,893,000 | 7,620,000 | 7,564,000 |
| Equity capital | 11,242,000 | 11,076,000 | 11,387,000 | 11,104,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 621,000 | 1,239,000 | 1,845,000 | 2,455,000 |
| Interest expense | 112,000 | 226,000 | 335,000 | 441,000 |
| Net interest income | 509,000 | 1,013,000 | 1,510,000 | 2,014,000 |
| Noninterest income | 12,000 | 22,000 | 30,000 | 38,000 |
| Noninterest expense | 269,000 | 557,000 | 866,000 | 1,178,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 252,000 | 478,000 | 719,000 | 923,000 |
| Income tax | 33,000 | 62,000 | 78,000 | 103,000 |
| Net income | 219,000 | 416,000 | 641,000 | 820,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,122,000 | 10,318,000 | 10,527,000 | 10,387,000 |
| Total capital | 10,294,000 | 10,490,000 | 10,699,000 | 10,558,000 |
| Risk-weighted assets | 39,484,000 | 34,285,000 | 34,398,000 | 35,088,000 |