Call reports 2003
WALCOTT TRUST AND SAVINGS BANK — 2003
What WALCOTT TRUST AND SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 55,711,000 | 57,771,000 | 57,999,000 | 58,364,000 |
| Total loans | 34,808,000 | 36,122,000 | 35,160,000 | 34,463,000 |
| Allowance for loan losses | 386,000 | 387,000 | 389,000 | 394,000 |
| Securities available for sale | 50,000 | 46,000 | 39,000 | 36,000 |
| Securities held to maturity | 6,181,000 | 7,018,000 | 8,276,000 | 11,357,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,940,000 | 44,936,000 | 45,059,000 | 45,449,000 |
| Interest-bearing deposits | 37,973,000 | 39,724,000 | 39,538,000 | 40,177,000 |
| Noninterest-bearing deposits | 4,967,000 | 5,212,000 | 5,521,000 | 5,272,000 |
| Equity capital | 12,521,000 | 12,588,000 | 12,718,000 | 12,726,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 751,000 | 1,488,000 | 2,225,000 | 2,955,000 |
| Interest expense | 225,000 | 445,000 | 646,000 | 834,000 |
| Net interest income | 526,000 | 1,043,000 | 1,579,000 | 2,121,000 |
| Noninterest income | 51,000 | 142,000 | 235,000 | 357,000 |
| Noninterest expense | 380,000 | 746,000 | 1,143,000 | 1,619,000 |
| Provision for loan losses | 20,000 | 20,000 | 40,000 | 60,000 |
| Pretax income | 177,000 | 419,000 | 631,000 | 799,000 |
| Income tax | 79,000 | 163,000 | 244,000 | 304,000 |
| Net income | 98,000 | 256,000 | 387,000 | 495,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,516,000 | 12,584,000 | 12,715,000 | 12,723,000 |
| Total capital | 12,902,000 | 12,971,000 | 13,104,000 | 13,117,000 |
| Risk-weighted assets | 37,134,000 | 39,281,000 | 39,782,000 | 39,350,000 |
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