Call reports 2002
WALDEN SAVINGS BANK — 2002
What WALDEN SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 171,602,000 | 179,013,000 | 183,284,000 | 190,280,000 |
| Total loans | 102,293,000 | 102,120,000 | 103,226,000 | 98,819,000 |
| Allowance for loan losses | 444,000 | 466,000 | 527,000 | 708,000 |
| Securities available for sale | 35,654,000 | 40,923,000 | 38,720,000 | 54,636,000 |
| Securities held to maturity | 4,367,000 | 3,387,000 | 1,352,000 | 1,350,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,200,000 | 161,750,000 | 165,097,000 | 171,652,000 |
| Interest-bearing deposits | 142,645,000 | 147,940,000 | 150,002,000 | 155,901,000 |
| Noninterest-bearing deposits | 12,555,000 | 13,810,000 | 15,095,000 | 15,751,000 |
| Equity capital | 15,459,000 | 16,207,000 | 16,943,000 | 17,557,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,401,000 | 4,822,000 | 7,237,000 | 9,577,000 |
| Interest expense | 655,000 | 1,314,000 | 1,996,000 | 2,626,000 |
| Net interest income | 1,746,000 | 3,508,000 | 5,241,000 | 6,951,000 |
| Noninterest income | 302,000 | 620,000 | 997,000 | 1,216,000 |
| Noninterest expense | 1,301,000 | 2,668,000 | 4,014,000 | 5,157,000 |
| Provision for loan losses | 38,000 | 75,000 | 135,000 | 325,000 |
| Pretax income | 709,000 | 1,385,000 | 2,089,000 | 2,685,000 |
| Income tax | 273,000 | 532,000 | 803,000 | 917,000 |
| Net income | 436,000 | 853,000 | 1,286,000 | 1,768,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,274,000 | 15,690,000 | 16,126,000 | 16,617,000 |
| Total capital | 15,718,000 | 16,156,000 | 16,653,000 | 17,325,000 |
| Risk-weighted assets | 94,096,000 | 99,607,000 | 102,109,000 | 114,538,000 |