Call reports 2002
WALCOTT TRUST AND SAVINGS BANK — 2002
What WALCOTT TRUST AND SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 55,034,000 | 53,382,000 | 53,728,000 | 55,513,000 |
| Total loans | 32,346,000 | 31,998,000 | 33,213,000 | 35,355,000 |
| Allowance for loan losses | 306,000 | 331,000 | 356,000 | 366,000 |
| Securities available for sale | 1,074,000 | 1,062,000 | 54,000 | 53,000 |
| Securities held to maturity | 9,772,000 | 10,315,000 | 8,627,000 | 8,297,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,316,000 | 40,744,000 | 41,060,000 | 42,794,000 |
| Interest-bearing deposits | 37,407,000 | 36,916,000 | 36,455,000 | 37,304,000 |
| Noninterest-bearing deposits | 4,909,000 | 3,828,000 | 4,605,000 | 5,490,000 |
| Equity capital | 12,196,000 | 12,254,000 | 12,407,000 | 12,423,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 855,000 | 1,679,000 | 2,485,000 | 3,289,000 |
| Interest expense | 317,000 | 607,000 | 879,000 | 1,130,000 |
| Net interest income | 538,000 | 1,072,000 | 1,606,000 | 2,159,000 |
| Noninterest income | 63,000 | 140,000 | 251,000 | 391,000 |
| Noninterest expense | 366,000 | 724,000 | 1,111,000 | 1,565,000 |
| Provision for loan losses | 25,000 | 50,000 | 75,000 | 100,000 |
| Pretax income | 210,000 | 438,000 | 671,000 | 885,000 |
| Income tax | 89,000 | 174,000 | 253,000 | 354,000 |
| Net income | 121,000 | 264,000 | 418,000 | 531,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,188,000 | 12,249,000 | 12,404,000 | 12,418,000 |
| Total capital | 12,494,000 | 12,580,000 | 12,760,000 | 12,784,000 |
| Risk-weighted assets | 36,617,000 | 35,599,000 | 36,842,000 | 38,553,000 |