Call reports 2015
WASHINGTON COUNTY BANK — 2015
What WASHINGTON COUNTY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 337,177,000 | 339,152,000 | 341,806,000 | 339,642,000 |
| Total loans | 252,857,000 | 258,655,000 | 261,652,000 | 264,799,000 |
| Allowance for loan losses | 3,011,000 | 3,114,000 | 3,205,000 | 3,299,000 |
| Securities available for sale | 59,411,000 | 57,941,000 | 58,804,000 | 56,550,000 |
| Securities held to maturity | 3,980,000 | 4,696,000 | 4,394,000 | 2,755,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,482,000 | 258,442,000 | 267,488,000 | 279,445,000 |
| Interest-bearing deposits | 207,104,000 | 208,399,000 | 213,617,000 | 222,085,000 |
| Noninterest-bearing deposits | 61,378,000 | 50,043,000 | 53,871,000 | 57,360,000 |
| Equity capital | 30,038,000 | 30,837,000 | 31,214,000 | 31,063,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,987,000 | 5,996,000 | 9,117,000 | 12,175,000 |
| Interest expense | 176,000 | 347,000 | 524,000 | 719,000 |
| Net interest income | 2,811,000 | 5,649,000 | 8,593,000 | 11,456,000 |
| Noninterest income | 647,000 | 1,404,000 | 2,123,000 | 2,779,000 |
| Noninterest expense | 2,082,000 | 4,179,000 | 6,297,000 | 8,490,000 |
| Provision for loan losses | 43,000 | 145,000 | 238,000 | 330,000 |
| Pretax income | 1,333,000 | 2,729,000 | 4,181,000 | 5,415,000 |
| Income tax | 447,000 | 918,000 | 1,406,000 | 1,825,000 |
| Net income | 886,000 | 1,811,000 | 2,775,000 | 3,590,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,611,000 | 30,536,000 | 30,810,000 | 30,935,000 |
| Total capital | 32,622,000 | 33,650,000 | 34,015,000 | 34,234,000 |
| Risk-weighted assets | 267,173,000 | 278,573,000 | 284,462,000 | 282,222,000 |