Call reports 2012
WALDEN SAVINGS BANK — 2012
What WALDEN SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 418,670,000 | 429,801,000 | 433,071,000 | 434,257,000 |
| Total loans | 317,787,000 | 316,876,000 | 310,214,000 | 308,954,000 |
| Allowance for loan losses | 5,355,000 | 5,545,000 | 5,813,000 | 3,785,000 |
| Securities available for sale | 40,145,000 | 51,858,000 | 54,769,000 | 60,294,000 |
| Securities held to maturity | 767,000 | 764,000 | 760,000 | 750,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 375,021,000 | 386,161,000 | 388,331,000 | 388,625,000 |
| Interest-bearing deposits | 335,469,000 | 341,614,000 | 339,476,000 | 343,030,000 |
| Noninterest-bearing deposits | 39,552,000 | 44,547,000 | 48,855,000 | 45,595,000 |
| Equity capital | 36,750,000 | 37,346,000 | 38,222,000 | 38,896,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,492,000 | 8,794,000 | 13,026,000 | 17,172,000 |
| Interest expense | 436,000 | 868,000 | 1,246,000 | 1,615,000 |
| Net interest income | 4,056,000 | 7,926,000 | 11,780,000 | 15,557,000 |
| Noninterest income | 997,000 | 1,980,000 | 2,993,000 | 4,150,000 |
| Noninterest expense | 3,770,000 | 7,023,000 | 10,385,000 | 14,000,000 |
| Provision for loan losses | 375,000 | 1,000,000 | 1,312,000 | 1,486,000 |
| Pretax income | 908,000 | 1,883,000 | 3,373,000 | 4,518,000 |
| Income tax | 299,000 | 623,000 | 1,143,000 | 1,524,000 |
| Net income | 609,000 | 1,260,000 | 2,230,000 | 2,994,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,937,000 | 36,584,000 | 37,546,000 | 38,302,000 |
| Total capital | 39,154,000 | 40,200,000 | 41,050,000 | 41,766,000 |
| Risk-weighted assets | 287,847,000 | 286,623,000 | 281,337,000 | 277,606,000 |