Call reports 2016
WASHINGTON COUNTY BANK — 2016
What WASHINGTON COUNTY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 340,215,000 | 346,136,000 | 362,421,000 | 347,761,000 |
| Total loans | 266,221,000 | 275,586,000 | 275,276,000 | 276,830,000 |
| Allowance for loan losses | 3,296,000 | 3,372,000 | 3,469,000 | 3,591,000 |
| Securities available for sale | 57,057,000 | 54,977,000 | 47,281,000 | 47,531,000 |
| Securities held to maturity | 1,756,000 | 1,746,000 | 4,024,000 | 4,091,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 277,509,000 | 282,213,000 | 304,660,000 | 293,857,000 |
| Interest-bearing deposits | 218,194,000 | 227,430,000 | 237,852,000 | 234,038,000 |
| Noninterest-bearing deposits | 59,315,000 | 54,783,000 | 66,808,000 | 59,819,000 |
| Equity capital | 32,222,000 | 32,634,000 | 33,546,000 | 33,280,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,066,000 | 6,176,000 | 9,360,000 | 12,555,000 |
| Interest expense | 208,000 | 427,000 | 662,000 | 903,000 |
| Net interest income | 2,858,000 | 5,749,000 | 8,698,000 | 11,652,000 |
| Noninterest income | 606,000 | 1,221,000 | 1,915,000 | 2,652,000 |
| Noninterest expense | 2,107,000 | 4,148,000 | 6,156,000 | 8,252,000 |
| Provision for loan losses | 0 | 75,000 | 150,000 | 350,000 |
| Pretax income | 1,357,000 | 2,747,000 | 4,307,000 | 5,702,000 |
| Income tax | 462,000 | 938,000 | 1,474,000 | 1,958,000 |
| Net income | 895,000 | 1,809,000 | 2,833,000 | 3,744,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,830,000 | 32,027,000 | 33,051,000 | 33,245,000 |
| Total capital | 35,104,000 | 35,399,000 | 36,520,000 | 36,836,000 |
| Risk-weighted assets | 261,918,000 | 289,139,000 | 292,178,000 | 290,830,000 |