Call reports 2003
WALDEN SAVINGS BANK — 2003
What WALDEN SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 196,715,000 | 205,492,000 | 209,206,000 | 213,488,000 |
| Total loans | 97,359,000 | 94,437,000 | 92,903,000 | 100,190,000 |
| Allowance for loan losses | 755,000 | 662,000 | 950,000 | 964,000 |
| Securities available for sale | 64,341,000 | 76,472,000 | 86,148,000 | 79,876,000 |
| Securities held to maturity | 291,000 | 304,000 | 272,000 | 271,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,506,000 | 185,296,000 | 189,142,000 | 192,697,000 |
| Interest-bearing deposits | 162,512,000 | 168,184,000 | 170,376,000 | 172,752,000 |
| Noninterest-bearing deposits | 14,994,000 | 17,112,000 | 18,766,000 | 19,945,000 |
| Equity capital | 17,980,000 | 18,646,000 | 18,748,000 | 18,492,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,255,000 | 4,467,000 | 6,632,000 | 8,800,000 |
| Interest expense | 549,000 | 1,071,000 | 1,500,000 | 1,873,000 |
| Net interest income | 1,706,000 | 3,396,000 | 5,132,000 | 6,927,000 |
| Noninterest income | 468,000 | 1,022,000 | 1,661,000 | 2,294,000 |
| Noninterest expense | 1,571,000 | 3,196,000 | 4,849,000 | 7,007,000 |
| Provision for loan losses | 75,000 | 150,000 | 210,000 | 270,000 |
| Pretax income | 528,000 | 1,072,000 | 1,734,000 | 1,944,000 |
| Income tax | 195,000 | 396,000 | 643,000 | 713,000 |
| Net income | 333,000 | 676,000 | 1,091,000 | 1,231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,934,000 | 17,289,000 | 17,703,000 | 17,846,000 |
| Total capital | 17,689,000 | 17,951,000 | 18,653,000 | 18,810,000 |
| Risk-weighted assets | 119,624,000 | 130,280,000 | 130,426,000 | 134,499,000 |