Call reports 2001
WALCOTT TRUST AND SAVINGS BANK — 2001
What WALCOTT TRUST AND SAVINGS BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 53,830,000 | 53,492,000 | 55,195,000 | 56,310,000 |
| Total loans | 34,669,000 | 34,451,000 | 32,991,000 | 31,503,000 |
| Allowance for loan losses | 244,000 | 244,000 | 262,000 | 281,000 |
| Securities available for sale | 2,890,000 | 1,881,000 | 1,297,000 | 1,164,000 |
| Securities held to maturity | 11,391,000 | 9,419,000 | 9,384,000 | 9,770,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,468,000 | 40,960,000 | 42,563,000 | 43,532,000 |
| Interest-bearing deposits | 36,905,000 | 36,554,000 | 37,133,000 | 38,529,000 |
| Noninterest-bearing deposits | 4,563,000 | 4,406,000 | 5,430,000 | 5,003,000 |
| Equity capital | 11,845,000 | 11,938,000 | 12,095,000 | 12,087,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,039,000 | 2,079,000 | 3,077,000 | 3,985,000 |
| Interest expense | 436,000 | 860,000 | 1,278,000 | 1,642,000 |
| Net interest income | 603,000 | 1,219,000 | 1,799,000 | 2,343,000 |
| Noninterest income | 88,000 | 136,000 | 206,000 | 282,000 |
| Noninterest expense | 379,000 | 761,000 | 1,156,000 | 1,604,000 |
| Provision for loan losses | 25,000 | 25,000 | 45,000 | 70,000 |
| Pretax income | 287,000 | 569,000 | 804,000 | 951,000 |
| Income tax | 102,000 | 201,000 | 279,000 | 352,000 |
| Net income | 185,000 | 368,000 | 525,000 | 599,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,834,000 | 11,927,000 | 12,084,000 | 12,078,000 |
| Total capital | 12,078,000 | 12,171,000 | 12,346,000 | 12,359,000 |
| Risk-weighted assets | 37,998,000 | 37,332,000 | 36,961,000 | 37,217,000 |
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