Call reports 2016
WATKINS SAVINGS BANK, THE — 2016
What WATKINS SAVINGS BANK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 69,544,000 | 69,919,000 | 70,220,000 | 69,557,000 |
| Total loans | 26,696,000 | 25,001,000 | 25,372,000 | 25,827,000 |
| Allowance for loan losses | 171,000 | 171,000 | 171,000 | 170,000 |
| Securities available for sale | 39,074,000 | 42,007,000 | 41,873,000 | 40,286,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,411,000 | 57,167,000 | 57,562,000 | 58,380,000 |
| Interest-bearing deposits | 50,458,000 | 50,298,000 | 50,924,000 | 50,311,000 |
| Noninterest-bearing deposits | 6,952,000 | 6,870,000 | 6,638,000 | 8,068,000 |
| Equity capital | 11,481,000 | 11,952,000 | 11,972,000 | 10,940,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 596,000 | 1,172,000 | 1,757,000 | 2,338,000 |
| Interest expense | 103,000 | 206,000 | 309,000 | 412,000 |
| Net interest income | 493,000 | 966,000 | 1,448,000 | 1,926,000 |
| Noninterest income | 11,000 | 20,000 | 28,000 | 36,000 |
| Noninterest expense | 275,000 | 528,000 | 785,000 | 1,062,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 230,000 | 464,000 | 698,000 | 907,000 |
| Income tax | 33,000 | 66,000 | 99,000 | 129,000 |
| Net income | 197,000 | 398,000 | 599,000 | 778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,584,000 | 10,785,000 | 10,986,000 | 10,847,000 |
| Total capital | 10,755,000 | 10,956,000 | 11,157,000 | 11,017,000 |
| Risk-weighted assets | 34,763,000 | 33,177,000 | 33,736,000 | 34,822,000 |