Call reports 2014
WALDEN SAVINGS BANK — 2014
What WALDEN SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 446,126,000 | 459,817,000 | 456,171,000 | 454,725,000 |
| Total loans | 309,207,000 | 308,383,000 | 310,762,000 | 310,190,000 |
| Allowance for loan losses | 3,561,000 | 3,264,000 | 3,111,000 | 2,963,000 |
| Securities available for sale | 60,227,000 | 71,589,000 | 75,666,000 | 78,008,000 |
| Securities held to maturity | 703,000 | 694,000 | 690,000 | 186,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 399,444,000 | 411,882,000 | 408,646,000 | 407,717,000 |
| Interest-bearing deposits | 351,070,000 | 355,257,000 | 349,306,000 | 350,573,000 |
| Noninterest-bearing deposits | 48,374,000 | 56,625,000 | 59,340,000 | 57,144,000 |
| Equity capital | 40,701,000 | 41,547,000 | 41,865,000 | 42,420,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,892,000 | 7,736,000 | 11,634,000 | 15,533,000 |
| Interest expense | 256,000 | 514,000 | 763,000 | 996,000 |
| Net interest income | 3,636,000 | 7,222,000 | 10,871,000 | 14,537,000 |
| Noninterest income | 954,000 | 2,187,000 | 3,147,000 | 4,278,000 |
| Noninterest expense | 3,876,000 | 7,927,000 | 11,835,000 | 15,851,000 |
| Provision for loan losses | 225,000 | 116,000 | 208,000 | 369,000 |
| Pretax income | 489,000 | 1,427,000 | 2,035,000 | 2,682,000 |
| Income tax | 90,000 | 261,000 | 403,000 | 595,000 |
| Net income | 399,000 | 1,166,000 | 1,632,000 | 2,087,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,885,000 | 41,654,000 | 42,122,000 | 42,577,000 |
| Total capital | 44,424,000 | 44,918,000 | 45,233,000 | 45,540,000 |
| Risk-weighted assets | 283,096,000 | 273,722,000 | 273,735,000 | 273,496,000 |