Call reports 2013
WALDEN SAVINGS BANK — 2013
What WALDEN SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 437,561,000 | 443,971,000 | 442,277,000 | 437,738,000 |
| Total loans | 307,650,000 | 305,040,000 | 305,621,000 | 307,345,000 |
| Allowance for loan losses | 3,594,000 | 3,675,000 | 3,999,000 | 3,666,000 |
| Securities available for sale | 62,595,000 | 63,956,000 | 68,732,000 | 63,580,000 |
| Securities held to maturity | 738,000 | 728,000 | 717,000 | 708,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 391,878,000 | 398,460,000 | 396,237,000 | 392,460,000 |
| Interest-bearing deposits | 345,805,000 | 349,422,000 | 343,029,000 | 342,774,000 |
| Noninterest-bearing deposits | 46,073,000 | 49,038,000 | 53,208,000 | 49,686,000 |
| Equity capital | 39,503,000 | 39,521,000 | 39,823,000 | 40,153,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,029,000 | 8,034,000 | 12,135,000 | 16,060,000 |
| Interest expense | 335,000 | 645,000 | 925,000 | 1,180,000 |
| Net interest income | 3,694,000 | 7,389,000 | 11,210,000 | 14,880,000 |
| Noninterest income | 1,064,000 | 2,376,000 | 3,414,000 | 4,481,000 |
| Noninterest expense | 3,596,000 | 7,206,000 | 10,862,000 | 14,602,000 |
| Provision for loan losses | 230,000 | 684,000 | 1,234,000 | 1,464,000 |
| Pretax income | 932,000 | 1,875,000 | 2,528,000 | 3,295,000 |
| Income tax | 307,000 | 579,000 | 779,000 | 1,107,000 |
| Net income | 625,000 | 1,296,000 | 1,749,000 | 2,188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,921,000 | 39,589,000 | 40,043,000 | 40,484,000 |
| Total capital | 42,433,000 | 43,095,000 | 43,571,000 | 43,991,000 |
| Risk-weighted assets | 280,859,000 | 280,348,000 | 281,763,000 | 280,359,000 |