Call reports 2016
WALDEN SAVINGS BANK — 2016
What WALDEN SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 498,251,000 | 513,386,000 | 516,147,000 | 523,026,000 |
| Total loans | 323,882,000 | 332,530,000 | 346,980,000 | 358,211,000 |
| Allowance for loan losses | 2,936,000 | 2,919,000 | 3,086,000 | 3,497,000 |
| Securities available for sale | 108,258,000 | 113,076,000 | 109,208,000 | 101,108,000 |
| Securities held to maturity | 139,000 | 135,000 | 128,000 | 122,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 448,924,000 | 463,321,000 | 465,022,000 | 473,128,000 |
| Interest-bearing deposits | 379,554,000 | 385,077,000 | 384,737,000 | 393,308,000 |
| Noninterest-bearing deposits | 69,370,000 | 78,244,000 | 80,285,000 | 79,820,000 |
| Equity capital | 45,313,000 | 46,238,000 | 46,532,000 | 45,947,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,972,000 | 8,058,000 | 12,162,000 | 16,394,000 |
| Interest expense | 228,000 | 455,000 | 658,000 | 857,000 |
| Net interest income | 3,744,000 | 7,603,000 | 11,504,000 | 15,537,000 |
| Noninterest income | 950,000 | 2,008,000 | 3,162,000 | 4,304,000 |
| Noninterest expense | 3,896,000 | 7,852,000 | 11,819,000 | 15,743,000 |
| Provision for loan losses | 51,000 | 125,000 | 366,000 | 786,000 |
| Pretax income | 762,000 | 1,655,000 | 2,534,000 | 3,384,000 |
| Income tax | 236,000 | 564,000 | 871,000 | 1,164,000 |
| Net income | 526,000 | 1,091,000 | 1,663,000 | 2,220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,125,000 | 45,691,000 | 46,262,000 | 46,819,000 |
| Total capital | 48,061,000 | 48,610,000 | 49,348,000 | 50,316,000 |
| Risk-weighted assets | 297,183,000 | 303,650,000 | 314,300,000 | 322,109,000 |