Call reports 2007
WASHINGTON COUNTY BANK — 2007
What WASHINGTON COUNTY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 250,159,000 | 255,090,000 | 256,440,000 | 266,289,000 |
| Total loans | 192,398,000 | 195,750,000 | 202,144,000 | 208,127,000 |
| Allowance for loan losses | 1,902,000 | 1,900,000 | 1,925,000 | 2,091,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 42,475,000 | 46,316,000 | 42,621,000 | 40,819,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,773,000 | 204,796,000 | 215,506,000 | 217,471,000 |
| Interest-bearing deposits | 190,044,000 | 189,228,000 | 199,969,000 | 199,790,000 |
| Noninterest-bearing deposits | 15,729,000 | 15,568,000 | 15,537,000 | 17,681,000 |
| Equity capital | 20,238,000 | 20,374,000 | 21,095,000 | 20,870,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,127,000 | 8,436,000 | 12,773,000 | 17,047,000 |
| Interest expense | 1,922,000 | 3,957,000 | 6,014,000 | 8,117,000 |
| Net interest income | 2,205,000 | 4,479,000 | 6,759,000 | 8,930,000 |
| Noninterest income | 263,000 | 580,000 | 891,000 | 1,199,000 |
| Noninterest expense | 1,363,000 | 2,719,000 | 4,114,000 | 5,563,000 |
| Provision for loan losses | 238,000 | 418,000 | 566,000 | 785,000 |
| Pretax income | 867,000 | 1,922,000 | 2,970,000 | 3,781,000 |
| Income tax | 274,000 | 611,000 | 938,000 | 1,199,000 |
| Net income | 593,000 | 1,311,000 | 2,032,000 | 2,582,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,154,000 | 20,290,000 | 21,011,000 | 20,786,000 |
| Total capital | 22,056,000 | 22,190,000 | 22,936,000 | 22,877,000 |
| Risk-weighted assets | 208,318,000 | 212,100,000 | 217,247,000 | 222,535,000 |