Call reports 2018
WATKINS SAVINGS BANK, THE — 2018
What WATKINS SAVINGS BANK, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 69,401,000 | 69,618,000 | 67,369,000 | 67,831,000 |
| Total loans | 27,223,000 | 27,254,000 | 27,754,000 | 28,902,000 |
| Allowance for loan losses | 170,000 | 170,000 | 170,000 | 170,000 |
| Securities available for sale | 38,227,000 | 37,840,000 | 36,902,000 | 37,182,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,227,000 | 58,334,000 | 56,053,000 | 56,313,000 |
| Interest-bearing deposits | 50,472,000 | 50,657,000 | 49,048,000 | 48,616,000 |
| Noninterest-bearing deposits | 7,755,000 | 7,678,000 | 7,005,000 | 7,696,000 |
| Equity capital | 11,061,000 | 11,153,000 | 11,170,000 | 11,319,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 596,000 | 1,200,000 | 1,798,000 | 2,399,000 |
| Interest expense | 106,000 | 217,000 | 333,000 | 453,000 |
| Net interest income | 490,000 | 983,000 | 1,465,000 | 1,946,000 |
| Noninterest income | 10,000 | 16,000 | 22,000 | 28,000 |
| Noninterest expense | 271,000 | 529,000 | 791,000 | 1,039,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 219,000 | 460,000 | 689,000 | 928,000 |
| Income tax | 31,000 | 62,000 | 91,000 | 135,000 |
| Net income | 188,000 | 398,000 | 598,000 | 793,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,545,000 | 11,755,000 | 11,955,000 | 11,831,000 |
| Total capital | 11,715,000 | 11,925,000 | 12,125,000 | 12,001,000 |
| Risk-weighted assets | 35,963,000 | 34,006,000 | 37,781,000 | 38,880,000 |