Call reports 2005
WALDEN SAVINGS BANK — 2005
What WALDEN SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 229,391,000 | 232,270,000 | 239,513,000 | 247,402,000 |
| Total loans | 131,022,000 | 139,562,000 | 149,172,000 | 156,548,000 |
| Allowance for loan losses | 1,523,000 | 1,557,000 | 1,624,000 | 1,822,000 |
| Securities available for sale | 70,207,000 | 66,082,000 | 63,076,000 | 61,161,000 |
| Securities held to maturity | 306,000 | 305,000 | 304,000 | 298,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,565,000 | 210,850,000 | 210,977,000 | 220,620,000 |
| Interest-bearing deposits | 181,683,000 | 186,072,000 | 184,927,000 | 193,791,000 |
| Noninterest-bearing deposits | 23,882,000 | 24,778,000 | 26,050,000 | 26,829,000 |
| Equity capital | 18,888,000 | 19,728,000 | 19,847,000 | 20,099,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,487,000 | 5,135,000 | 7,922,000 | 10,895,000 |
| Interest expense | 316,000 | 720,000 | 1,209,000 | 1,867,000 |
| Net interest income | 2,171,000 | 4,415,000 | 6,713,000 | 9,028,000 |
| Noninterest income | 525,000 | 1,118,000 | 1,791,000 | 2,674,000 |
| Noninterest expense | 2,040,000 | 4,028,000 | 6,069,000 | 8,356,000 |
| Provision for loan losses | 84,000 | 168,000 | 252,000 | 536,000 |
| Pretax income | 572,000 | 1,342,000 | 2,172,000 | 2,815,000 |
| Income tax | 218,000 | 507,000 | 812,000 | 1,052,000 |
| Net income | 354,000 | 835,000 | 1,360,000 | 1,763,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,574,000 | 20,061,000 | 19,039,000 | 20,984,000 |
| Total capital | 21,097,000 | 21,618,000 | 20,663,000 | 22,806,000 |
| Risk-weighted assets | 145,902,000 | 150,408,000 | 155,974,000 | 167,277,000 |