Call reports 2009
WASHINGTON COUNTY BANK — 2009
What WASHINGTON COUNTY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 281,660,000 | 278,175,000 | 279,251,000 | 275,702,000 |
| Total loans | 231,162,000 | 227,468,000 | 221,698,000 | 213,350,000 |
| Allowance for loan losses | 2,306,000 | 2,399,000 | 2,402,000 | 2,787,000 |
| Securities available for sale | 2,051,000 | 1,944,000 | 1,864,000 | 6,965,000 |
| Securities held to maturity | 35,397,000 | 36,981,000 | 43,782,000 | 41,329,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,873,000 | 222,813,000 | 217,774,000 | 215,033,000 |
| Interest-bearing deposits | 201,639,000 | 201,508,000 | 196,900,000 | 192,612,000 |
| Noninterest-bearing deposits | 22,234,000 | 21,305,000 | 20,874,000 | 22,421,000 |
| Equity capital | 24,626,000 | 24,120,000 | 24,173,000 | 23,250,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,940,000 | 7,975,000 | 12,080,000 | 16,123,000 |
| Interest expense | 1,308,000 | 2,529,000 | 3,618,000 | 4,577,000 |
| Net interest income | 2,632,000 | 5,446,000 | 8,462,000 | 11,546,000 |
| Noninterest income | 406,000 | 798,000 | 1,222,000 | 1,648,000 |
| Noninterest expense | 1,446,000 | 3,142,000 | 4,736,000 | 6,317,000 |
| Provision for loan losses | 376,000 | 967,000 | 1,620,000 | 2,715,000 |
| Pretax income | 1,216,000 | 2,135,000 | 3,328,000 | 4,162,000 |
| Income tax | 390,000 | 680,000 | 1,059,000 | 1,320,000 |
| Net income | 826,000 | 1,455,000 | 2,269,000 | 2,842,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,542,000 | 24,032,000 | 24,071,000 | 23,191,000 |
| Total capital | 26,848,000 | 26,431,000 | 26,473,000 | 25,978,000 |
| Risk-weighted assets | 241,106,000 | 237,351,000 | 233,850,000 | 227,480,000 |