Call reports 2004
WALCOTT TRUST AND SAVINGS BANK — 2004
What WALCOTT TRUST AND SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 58,302,000 | 58,538,000 | 58,798,000 | 61,116,000 |
| Total loans | 35,404,000 | 36,650,000 | 38,181,000 | 39,108,000 |
| Allowance for loan losses | 393,000 | 413,000 | 418,000 | 438,000 |
| Securities available for sale | 32,000 | 28,000 | 24,000 | 0 |
| Securities held to maturity | 9,048,000 | 9,069,000 | 9,060,000 | 9,739,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,247,000 | 45,489,000 | 45,599,000 | 47,828,000 |
| Interest-bearing deposits | 39,658,000 | 39,707,000 | 39,806,000 | 41,763,000 |
| Noninterest-bearing deposits | 5,589,000 | 5,782,000 | 5,793,000 | 6,065,000 |
| Equity capital | 12,854,000 | 12,874,000 | 13,038,000 | 13,085,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 686,000 | 1,376,000 | 2,097,000 | 2,865,000 |
| Interest expense | 168,000 | 324,000 | 470,000 | 618,000 |
| Net interest income | 518,000 | 1,052,000 | 1,627,000 | 2,247,000 |
| Noninterest income | 61,000 | 149,000 | 267,000 | 391,000 |
| Noninterest expense | 388,000 | 791,000 | 1,206,000 | 1,685,000 |
| Provision for loan losses | 0 | 20,000 | 40,000 | 60,000 |
| Pretax income | 191,000 | 390,000 | 648,000 | 895,000 |
| Income tax | 63,000 | 141,000 | 235,000 | 333,000 |
| Net income | 128,000 | 249,000 | 413,000 | 562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,851,000 | 12,872,000 | 13,036,000 | 13,085,000 |
| Total capital | 13,244,000 | 13,285,000 | 13,454,000 | 13,523,000 |
| Risk-weighted assets | 37,837,000 | 38,146,000 | 39,535,000 | 40,645,000 |