Call reports 2003
WASHINGTON COUNTY BANK — 2003
What WASHINGTON COUNTY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 177,755,000 | 179,164,000 | 179,002,000 | 180,768,000 |
| Total loans | 129,710,000 | 135,042,000 | 134,844,000 | 136,622,000 |
| Allowance for loan losses | 1,271,000 | 1,318,000 | 1,363,000 | 1,393,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 29,251,000 | 32,823,000 | 35,226,000 | 31,164,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,900,000 | 143,142,000 | 147,486,000 | 148,383,000 |
| Interest-bearing deposits | 126,075,000 | 123,008,000 | 125,596,000 | 124,955,000 |
| Noninterest-bearing deposits | 18,825,000 | 20,134,000 | 21,890,000 | 23,428,000 |
| Equity capital | 14,822,000 | 14,340,000 | 14,863,000 | 14,572,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,719,000 | 5,443,000 | 8,045,000 | 10,555,000 |
| Interest expense | 862,000 | 1,668,000 | 2,415,000 | 3,086,000 |
| Net interest income | 1,857,000 | 3,775,000 | 5,630,000 | 7,469,000 |
| Noninterest income | 168,000 | 351,000 | 570,000 | 770,000 |
| Noninterest expense | 1,019,000 | 2,102,000 | 3,141,000 | 4,338,000 |
| Provision for loan losses | 289,000 | 557,000 | 842,000 | 1,096,000 |
| Pretax income | 717,000 | 1,467,000 | 2,217,000 | 2,805,000 |
| Income tax | 225,000 | 457,000 | 684,000 | 863,000 |
| Net income | 492,000 | 1,010,000 | 1,533,000 | 1,942,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,822,000 | 14,340,000 | 14,863,000 | 14,572,000 |
| Total capital | 16,093,000 | 15,658,000 | 16,226,000 | 15,965,000 |
| Risk-weighted assets | 145,420,000 | 150,669,000 | 146,996,000 | 152,266,000 |
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