Call reports 2005
WALCOTT TRUST AND SAVINGS BANK — 2005
What WALCOTT TRUST AND SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 59,632,000 | 57,660,000 | 61,471,000 | 63,758,000 |
| Total loans | 39,579,000 | 39,115,000 | 40,078,000 | 42,318,000 |
| Allowance for loan losses | 433,000 | 423,000 | 433,000 | 448,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,588,000 | 8,197,000 | 8,197,000 | 8,932,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,122,000 | 44,117,000 | 45,703,000 | 47,867,000 |
| Interest-bearing deposits | 40,808,000 | 39,459,000 | 39,847,000 | 41,726,000 |
| Noninterest-bearing deposits | 5,314,000 | 4,658,000 | 5,856,000 | 6,141,000 |
| Equity capital | 13,254,000 | 13,300,000 | 13,515,000 | 13,599,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 770,000 | 1,575,000 | 2,444,000 | 3,390,000 |
| Interest expense | 159,000 | 344,000 | 572,000 | 824,000 |
| Net interest income | 611,000 | 1,231,000 | 1,872,000 | 2,566,000 |
| Noninterest income | 65,000 | 116,000 | 241,000 | 366,000 |
| Noninterest expense | 407,000 | 806,000 | 1,228,000 | 1,755,000 |
| Provision for loan losses | 0 | 10,000 | 25,000 | 40,000 |
| Pretax income | 269,000 | 531,000 | 860,000 | 1,137,000 |
| Income tax | 100,000 | 216,000 | 330,000 | 413,000 |
| Net income | 169,000 | 315,000 | 530,000 | 724,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,254,000 | 13,300,000 | 13,515,000 | 13,599,000 |
| Total capital | 13,687,000 | 13,723,000 | 13,948,000 | 14,047,000 |
| Risk-weighted assets | 40,995,000 | 40,252,000 | 41,651,000 | 42,686,000 |