Call reports 2017
WATKINS SAVINGS BANK, THE — 2017
What WATKINS SAVINGS BANK, THE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 69,565,000 | 70,204,000 | 69,905,000 | 70,300,000 |
| Total loans | 25,726,000 | 25,151,000 | 25,831,000 | 27,823,000 |
| Allowance for loan losses | 170,000 | 170,000 | 170,000 | 170,000 |
| Securities available for sale | 40,252,000 | 41,509,000 | 42,043,000 | 41,076,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,103,000 | 58,176,000 | 56,785,000 | 56,726,000 |
| Interest-bearing deposits | 50,290,000 | 50,153,000 | 49,737,000 | 48,687,000 |
| Noninterest-bearing deposits | 7,812,000 | 8,023,000 | 7,049,000 | 8,040,000 |
| Equity capital | 11,183,000 | 11,604,000 | 11,688,000 | 11,280,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 576,000 | 1,156,000 | 1,753,000 | 2,346,000 |
| Interest expense | 100,000 | 201,000 | 307,000 | 411,000 |
| Net interest income | 476,000 | 955,000 | 1,446,000 | 1,935,000 |
| Noninterest income | 11,000 | 18,000 | 24,000 | 31,000 |
| Noninterest expense | 266,000 | 522,000 | 776,000 | 1,042,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 221,000 | 453,000 | 696,000 | 926,000 |
| Income tax | 36,000 | 72,000 | 108,000 | 111,000 |
| Net income | 185,000 | 381,000 | 588,000 | 815,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,032,000 | 11,228,000 | 11,436,000 | 11,344,000 |
| Total capital | 11,202,000 | 11,398,000 | 11,606,000 | 11,514,000 |
| Risk-weighted assets | 34,560,000 | 34,139,000 | 34,492,000 | 36,384,000 |