Call reports 2006
WALCOTT TRUST AND SAVINGS BANK — 2006
What WALCOTT TRUST AND SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 62,336,000 | 62,135,000 | 68,553,000 | 71,357,000 |
| Total loans | 42,917,000 | 41,377,000 | 44,908,000 | 47,307,000 |
| Allowance for loan losses | 459,000 | 471,000 | 482,000 | 491,000 |
| Securities available for sale | 0 | 469,000 | 904,000 | 1,798,000 |
| Securities held to maturity | 7,932,000 | 4,932,000 | 6,337,000 | 5,323,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,205,000 | 45,961,000 | 52,008,000 | 54,580,000 |
| Interest-bearing deposits | 39,526,000 | 39,634,000 | 45,500,000 | 48,238,000 |
| Noninterest-bearing deposits | 6,679,000 | 6,327,000 | 6,508,000 | 6,342,000 |
| Equity capital | 13,795,000 | 13,875,000 | 14,148,000 | 14,251,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 955,000 | 1,952,000 | 3,054,000 | 4,233,000 |
| Interest expense | 274,000 | 578,000 | 959,000 | 1,391,000 |
| Net interest income | 681,000 | 1,374,000 | 2,095,000 | 2,842,000 |
| Noninterest income | 79,000 | 149,000 | 293,000 | 434,000 |
| Noninterest expense | 442,000 | 864,000 | 1,299,000 | 1,858,000 |
| Provision for loan losses | 11,000 | 23,000 | 34,000 | 45,000 |
| Pretax income | 307,000 | 636,000 | 1,055,000 | 1,373,000 |
| Income tax | 111,000 | 239,000 | 400,000 | 501,000 |
| Net income | 196,000 | 397,000 | 655,000 | 872,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,795,000 | 13,886,000 | 14,144,000 | 14,241,000 |
| Total capital | 14,254,000 | 14,357,000 | 14,626,000 | 14,732,000 |
| Risk-weighted assets | 42,865,000 | 41,375,000 | 45,613,000 | 47,710,000 |