Call reports 2013
WASHINGTON COUNTY BANK — 2013
What WASHINGTON COUNTY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 300,710,000 | 301,904,000 | 324,293,000 | 320,879,000 |
| Total loans | 222,216,000 | 227,457,000 | 224,747,000 | 238,488,000 |
| Allowance for loan losses | 2,877,000 | 2,874,000 | 2,880,000 | 2,828,000 |
| Securities available for sale | 40,520,000 | 44,600,000 | 52,479,000 | 51,387,000 |
| Securities held to maturity | 5,607,000 | 5,550,000 | 4,070,000 | 4,494,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,731,000 | 243,408,000 | 261,706,000 | 244,931,000 |
| Interest-bearing deposits | 206,961,000 | 208,933,000 | 224,824,000 | 199,173,000 |
| Noninterest-bearing deposits | 35,770,000 | 34,475,000 | 36,882,000 | 45,758,000 |
| Equity capital | 26,822,000 | 25,977,000 | 26,931,000 | 27,630,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,710,000 | 5,391,000 | 8,126,000 | 10,930,000 |
| Interest expense | 325,000 | 641,000 | 937,000 | 1,206,000 |
| Net interest income | 2,385,000 | 4,750,000 | 7,189,000 | 9,724,000 |
| Noninterest income | 826,000 | 1,691,000 | 2,608,000 | 3,374,000 |
| Noninterest expense | 2,005,000 | 4,010,000 | 6,045,000 | 8,148,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,206,000 | 2,431,000 | 3,752,000 | 4,950,000 |
| Income tax | 400,000 | 808,000 | 1,249,000 | 1,648,000 |
| Net income | 806,000 | 1,623,000 | 2,503,000 | 3,302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,525,000 | 25,941,000 | 26,821,000 | 27,620,000 |
| Total capital | 29,398,000 | 28,815,000 | 29,701,000 | 30,448,000 |
| Risk-weighted assets | 229,844,000 | 236,321,000 | 238,288,000 | 250,191,000 |