Call reports 2004
WALDEN SAVINGS BANK — 2004
What WALDEN SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 214,259,000 | 228,589,000 | 222,261,000 | 228,368,000 |
| Total loans | 102,299,000 | 108,146,000 | 116,243,000 | 121,282,000 |
| Allowance for loan losses | 1,051,000 | 1,106,000 | 1,170,000 | 1,445,000 |
| Securities available for sale | 79,103,000 | 83,107,000 | 72,909,000 | 73,409,000 |
| Securities held to maturity | 269,000 | 18,000 | 267,000 | 267,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,508,000 | 209,194,000 | 201,628,000 | 207,863,000 |
| Interest-bearing deposits | 174,562,000 | 185,197,000 | 178,834,000 | 182,832,000 |
| Noninterest-bearing deposits | 18,946,000 | 23,997,000 | 22,794,000 | 25,031,000 |
| Equity capital | 19,185,000 | 18,203,000 | 19,202,000 | 19,204,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,188,000 | 4,421,000 | 6,787,000 | 9,233,000 |
| Interest expense | 352,000 | 677,000 | 1,004,000 | 1,315,000 |
| Net interest income | 1,836,000 | 3,744,000 | 5,783,000 | 7,918,000 |
| Noninterest income | 450,000 | 1,056,000 | 1,927,000 | 2,530,000 |
| Noninterest expense | 1,843,000 | 3,774,000 | 5,752,000 | 7,878,000 |
| Provision for loan losses | 84,000 | 168,000 | 252,000 | 400,000 |
| Pretax income | 359,000 | 858,000 | 1,731,000 | 2,191,000 |
| Income tax | 129,000 | 314,000 | 651,000 | 821,000 |
| Net income | 230,000 | 544,000 | 1,080,000 | 1,370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,075,000 | 18,370,000 | 18,924,000 | 19,217,000 |
| Total capital | 19,126,000 | 19,476,000 | 20,094,000 | 20,662,000 |
| Risk-weighted assets | 137,200,000 | 151,892,000 | 153,468,000 | 144,906,000 |