Call reports 2004
WASHINGTON COUNTY BANK — 2004
What WASHINGTON COUNTY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 174,877,000 | 185,169,000 | 226,352,000 | 231,592,000 |
| Total loans | 136,690,000 | 140,602,000 | 170,093,000 | 175,427,000 |
| Allowance for loan losses | 1,432,000 | 1,455,000 | 1,790,000 | 1,757,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 27,636,000 | 35,324,000 | 44,557,000 | 42,871,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,030,000 | 142,994,000 | 176,340,000 | 175,886,000 |
| Interest-bearing deposits | 122,226,000 | 121,887,000 | 154,381,000 | 152,502,000 |
| Noninterest-bearing deposits | 20,804,000 | 21,107,000 | 21,959,000 | 23,384,000 |
| Equity capital | 14,553,000 | 15,004,000 | 18,751,000 | 18,204,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,433,000 | 4,925,000 | 9,070,000 | 12,238,000 |
| Interest expense | 644,000 | 1,275,000 | 2,340,000 | 3,165,000 |
| Net interest income | 1,789,000 | 3,650,000 | 6,730,000 | 9,073,000 |
| Noninterest income | 223,000 | 470,000 | 864,000 | 1,148,000 |
| Noninterest expense | 1,050,000 | 2,244,000 | 4,094,000 | 5,625,000 |
| Provision for loan losses | 267,000 | 530,000 | 1,037,000 | 1,377,000 |
| Pretax income | 694,000 | 1,346,000 | 2,463,000 | 3,219,000 |
| Income tax | 213,000 | 414,000 | 767,000 | 1,005,000 |
| Net income | 481,000 | 932,000 | 1,696,000 | 2,214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,553,000 | 15,004,000 | 18,750,000 | 18,203,000 |
| Total capital | 15,985,000 | 16,459,000 | 20,540,000 | 19,960,000 |
| Risk-weighted assets | 152,230,000 | 156,669,000 | 188,102,000 | 194,068,000 |