Call reports 2005
WASHINGTON COUNTY BANK — 2005
What WASHINGTON COUNTY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 231,583,000 | 242,872,000 | 241,454,000 | 242,334,000 |
| Total loans | 177,744,000 | 181,541,000 | 181,232,000 | 176,031,000 |
| Allowance for loan losses | 1,735,000 | 1,784,000 | 1,719,000 | 1,862,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 41,917,000 | 49,212,000 | 47,514,000 | 42,234,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,303,000 | 194,663,000 | 194,537,000 | 203,724,000 |
| Interest-bearing deposits | 154,707,000 | 175,460,000 | 177,077,000 | 175,877,000 |
| Noninterest-bearing deposits | 30,596,000 | 19,203,000 | 17,460,000 | 27,847,000 |
| Equity capital | 18,993,000 | 19,075,000 | 19,084,000 | 19,023,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,191,000 | 6,674,000 | 10,201,000 | 13,948,000 |
| Interest expense | 864,000 | 1,881,000 | 3,089,000 | 4,357,000 |
| Net interest income | 2,327,000 | 4,793,000 | 7,112,000 | 9,591,000 |
| Noninterest income | 324,000 | 606,000 | 916,000 | 1,183,000 |
| Noninterest expense | 1,230,000 | 2,421,000 | 3,617,000 | 4,843,000 |
| Provision for loan losses | 263,000 | 589,000 | 894,000 | 1,388,000 |
| Pretax income | 1,158,000 | 2,389,000 | 3,517,000 | 4,543,000 |
| Income tax | 369,000 | 767,000 | 1,135,000 | 1,471,000 |
| Net income | 789,000 | 1,622,000 | 2,382,000 | 3,072,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,909,000 | 18,991,000 | 19,000,000 | 18,939,000 |
| Total capital | 20,644,000 | 20,775,000 | 20,719,000 | 20,801,000 |
| Risk-weighted assets | 191,830,000 | 197,199,000 | 196,127,000 | 192,713,000 |