Call reports 2022
WATKINS SAVINGS BANK, THE — 2022
What WATKINS SAVINGS BANK, THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 82,917,000 | 81,722,000 | 79,382,000 | 80,691,000 |
| Total loans | 29,654,000 | 28,193,000 | 30,110,000 | 31,951,000 |
| Allowance for loan losses | 170,000 | 170,000 | 170,000 | 170,000 |
| Securities available for sale | 49,722,000 | 46,776,000 | 45,025,000 | 45,053,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,330,000 | 72,367,000 | 71,137,000 | 71,897,000 |
| Interest-bearing deposits | 59,499,000 | 59,953,000 | 58,930,000 | 60,139,000 |
| Noninterest-bearing deposits | 12,830,000 | 12,415,000 | 12,207,000 | 11,758,000 |
| Equity capital | 10,467,000 | 9,218,000 | 8,114,000 | 8,638,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 492,000 | 989,000 | 1,495,000 | 2,026,000 |
| Interest expense | 90,000 | 179,000 | 267,000 | 373,000 |
| Net interest income | 402,000 | 810,000 | 1,228,000 | 1,653,000 |
| Noninterest income | 8,000 | 10,000 | 14,000 | 16,000 |
| Noninterest expense | 261,000 | 543,000 | 803,000 | 1,047,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 149,000 | 277,000 | 439,000 | 622,000 |
| Income tax | 12,000 | 24,000 | 36,000 | 72,000 |
| Net income | 137,000 | 253,000 | 403,000 | 550,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,949,000 | 13,065,000 | 13,216,000 | 13,044,000 |