Call reports 2006
WALDEN SAVINGS BANK — 2006
What WALDEN SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 252,111,000 | 259,626,000 | 271,159,000 | 280,822,000 |
| Total loans | 166,276,000 | 171,904,000 | 180,112,000 | 189,323,000 |
| Allowance for loan losses | 1,927,000 | 1,926,000 | 2,019,000 | 2,222,000 |
| Securities available for sale | 58,157,000 | 58,319,000 | 60,670,000 | 59,045,000 |
| Securities held to maturity | 320,000 | 570,000 | 597,000 | 602,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,065,000 | 236,181,000 | 240,288,000 | 253,364,000 |
| Interest-bearing deposits | 203,603,000 | 209,988,000 | 214,043,000 | 225,259,000 |
| Noninterest-bearing deposits | 25,462,000 | 26,193,000 | 26,245,000 | 28,105,000 |
| Equity capital | 20,535,000 | 20,992,000 | 22,040,000 | 22,311,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,139,000 | 6,439,000 | 9,934,000 | 13,616,000 |
| Interest expense | 807,000 | 1,700,000 | 2,786,000 | 4,129,000 |
| Net interest income | 2,332,000 | 4,739,000 | 7,148,000 | 9,487,000 |
| Noninterest income | 871,000 | 1,772,000 | 2,662,000 | 3,586,000 |
| Noninterest expense | 2,245,000 | 4,498,000 | 6,858,000 | 9,642,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 520,000 |
| Pretax income | 853,000 | 1,803,000 | 2,637,000 | 2,911,000 |
| Income tax | 295,000 | 618,000 | 912,000 | 985,000 |
| Net income | 558,000 | 1,185,000 | 1,725,000 | 1,926,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,560,000 | 22,164,000 | 22,712,000 | 22,907,000 |
| Total capital | 23,487,000 | 24,090,000 | 22,886,000 | 25,129,000 |
| Risk-weighted assets | 174,833,000 | 183,855,000 | 187,798,000 | 199,038,000 |