Call reports 2023
WATKINS SAVINGS BANK, THE — 2023
What WATKINS SAVINGS BANK, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 78,783,000 | 79,681,000 | 75,741,000 | 79,655,000 |
| Total loans | 29,746,000 | 28,513,000 | 28,848,000 | 31,095,000 |
| Allowance for loan losses | 170,000 | 170,000 | 170,000 | 170,000 |
| Securities available for sale | 45,042,000 | 41,102,000 | 39,522,000 | 44,810,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,218,000 | 70,501,000 | 67,242,000 | 69,918,000 |
| Interest-bearing deposits | 56,779,000 | 57,282,000 | 55,430,000 | 57,550,000 |
| Noninterest-bearing deposits | 12,439,000 | 13,219,000 | 11,812,000 | 12,368,000 |
| Equity capital | 9,347,000 | 8,898,000 | 8,203,000 | 9,455,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 542,000 | 1,105,000 | 1,696,000 | 2,289,000 |
| Interest expense | 147,000 | 346,000 | 590,000 | 857,000 |
| Net interest income | 395,000 | 759,000 | 1,106,000 | 1,432,000 |
| Noninterest income | 7,000 | 11,000 | 15,000 | 19,000 |
| Noninterest expense | 262,000 | 549,000 | 819,000 | 1,103,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 140,000 | 193,000 | 274,000 | 320,000 |
| Income tax | 17,000 | 33,000 | 45,000 | 41,000 |
| Net income | 123,000 | 160,000 | 229,000 | 279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,168,000 | 13,204,000 | 13,275,000 | 13,064,000 |