Call reports 2012
WASHINGTON COUNTY BANK — 2012
What WASHINGTON COUNTY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 291,422,000 | 291,754,000 | 299,282,000 | 313,835,000 |
| Total loans | 207,816,000 | 214,950,000 | 221,041,000 | 232,137,000 |
| Allowance for loan losses | 2,889,000 | 2,874,000 | 2,849,000 | 2,868,000 |
| Securities available for sale | 42,869,000 | 43,650,000 | 44,143,000 | 45,869,000 |
| Securities held to maturity | 7,132,000 | 6,608,000 | 6,574,000 | 5,889,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,814,000 | 231,827,000 | 239,410,000 | 241,418,000 |
| Interest-bearing deposits | 199,715,000 | 202,233,000 | 209,980,000 | 207,869,000 |
| Noninterest-bearing deposits | 30,099,000 | 29,594,000 | 29,430,000 | 33,549,000 |
| Equity capital | 24,521,000 | 24,377,000 | 25,290,000 | 26,025,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,874,000 | 5,714,000 | 8,578,000 | 11,331,000 |
| Interest expense | 428,000 | 842,000 | 1,232,000 | 1,593,000 |
| Net interest income | 2,446,000 | 4,872,000 | 7,346,000 | 9,738,000 |
| Noninterest income | 691,000 | 1,524,000 | 2,395,000 | 3,300,000 |
| Noninterest expense | 1,934,000 | 3,867,000 | 5,800,000 | 7,849,000 |
| Provision for loan losses | 4,000 | 4,000 | 4,000 | 64,000 |
| Pretax income | 1,199,000 | 2,525,000 | 3,937,000 | 5,125,000 |
| Income tax | 392,000 | 827,000 | 1,294,000 | 1,692,000 |
| Net income | 807,000 | 1,698,000 | 2,643,000 | 3,433,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,003,000 | 23,983,000 | 24,929,000 | 25,719,000 |
| Total capital | 26,685,000 | 26,748,000 | 27,778,000 | 28,587,000 |
| Risk-weighted assets | 214,347,000 | 221,062,000 | 228,630,000 | 239,116,000 |