Call reports 2006
WASHINGTON COUNTY BANK — 2006
What WASHINGTON COUNTY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 240,633,000 | 240,228,000 | 245,023,000 | 247,958,000 |
| Total loans | 183,873,000 | 180,164,000 | 183,504,000 | 191,990,000 |
| Allowance for loan losses | 1,781,000 | 1,831,000 | 1,822,000 | 1,821,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 40,245,000 | 41,677,000 | 45,703,000 | 42,931,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,717,000 | 202,321,000 | 196,607,000 | 196,063,000 |
| Interest-bearing deposits | 176,927,000 | 182,311,000 | 182,714,000 | 181,690,000 |
| Noninterest-bearing deposits | 21,790,000 | 20,010,000 | 13,893,000 | 14,373,000 |
| Equity capital | 19,213,000 | 19,445,000 | 20,185,000 | 19,645,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,677,000 | 7,642,000 | 11,694,000 | 15,820,000 |
| Interest expense | 1,324,000 | 2,868,000 | 4,577,000 | 6,374,000 |
| Net interest income | 2,353,000 | 4,774,000 | 7,117,000 | 9,446,000 |
| Noninterest income | 253,000 | 526,000 | 849,000 | 1,143,000 |
| Noninterest expense | 1,209,000 | 2,459,000 | 3,852,000 | 5,328,000 |
| Provision for loan losses | 222,000 | 457,000 | 637,000 | 868,000 |
| Pretax income | 1,175,000 | 2,384,000 | 3,477,000 | 4,393,000 |
| Income tax | 384,000 | 779,000 | 1,132,000 | 1,425,000 |
| Net income | 791,000 | 1,605,000 | 2,345,000 | 2,968,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,129,000 | 19,361,000 | 20,101,000 | 19,561,000 |
| Total capital | 20,910,000 | 21,192,000 | 21,923,000 | 21,382,000 |
| Risk-weighted assets | 198,172,000 | 195,055,000 | 199,419,000 | 208,112,000 |