Call reports 2019
WATKINS SAVINGS BANK, THE — 2019
What WATKINS SAVINGS BANK, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 69,289,000 | 70,276,000 | 69,565,000 | 69,784,000 |
| Total loans | 30,209,000 | 29,978,000 | 30,216,000 | 30,692,000 |
| Allowance for loan losses | 170,000 | 170,000 | 170,000 | 170,000 |
| Securities available for sale | 37,256,000 | 34,257,000 | 37,172,000 | 35,939,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,191,000 | 57,557,000 | 56,565,000 | 57,051,000 |
| Interest-bearing deposits | 49,686,000 | 50,192,000 | 49,132,000 | 48,254,000 |
| Noninterest-bearing deposits | 7,505,000 | 7,365,000 | 7,433,000 | 8,797,000 |
| Equity capital | 11,927,000 | 12,465,000 | 12,724,000 | 12,497,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 607,000 | 1,227,000 | 1,835,000 | 2,440,000 |
| Interest expense | 125,000 | 261,000 | 404,000 | 553,000 |
| Net interest income | 482,000 | 966,000 | 1,431,000 | 1,887,000 |
| Noninterest income | 8,000 | 11,000 | 16,000 | 21,000 |
| Noninterest expense | 273,000 | 519,000 | 781,000 | 1,018,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 217,000 | 460,000 | 670,000 | 899,000 |
| Income tax | 33,000 | 66,000 | 103,000 | 154,000 |
| Net income | 184,000 | 394,000 | 567,000 | 745,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,015,000 | 12,225,000 | 12,398,000 | 12,736,000 |
| Total capital | 12,185,000 | 12,395,000 | 12,568,000 | 12,906,000 |
| Risk-weighted assets | 40,906,000 | 40,688,000 | 37,020,000 | 37,928,000 |