Call reports 2007
WALCOTT TRUST AND SAVINGS BANK — 2007
What WALCOTT TRUST AND SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 71,948,000 | 72,970,000 | 73,606,000 | 76,659,000 |
| Total loans | 49,097,000 | 51,082,000 | 53,021,000 | 51,083,000 |
| Allowance for loan losses | 502,000 | 513,000 | 525,000 | 536,000 |
| Securities available for sale | 5,178,000 | 5,280,000 | 6,937,000 | 7,124,000 |
| Securities held to maturity | 4,337,000 | 4,316,000 | 4,767,000 | 2,766,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,988,000 | 56,026,000 | 56,201,000 | 59,121,000 |
| Interest-bearing deposits | 48,497,000 | 49,421,000 | 49,365,000 | 51,754,000 |
| Noninterest-bearing deposits | 6,491,000 | 6,606,000 | 6,836,000 | 7,367,000 |
| Equity capital | 14,463,000 | 14,483,000 | 14,854,000 | 15,063,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,189,000 | 2,451,000 | 3,733,000 | 5,038,000 |
| Interest expense | 459,000 | 953,000 | 1,452,000 | 1,953,000 |
| Net interest income | 730,000 | 1,498,000 | 2,281,000 | 3,085,000 |
| Noninterest income | 68,000 | 159,000 | 356,000 | 535,000 |
| Noninterest expense | 470,000 | 928,000 | 1,419,000 | 2,022,000 |
| Provision for loan losses | 11,000 | 22,000 | 34,000 | 45,000 |
| Pretax income | 317,000 | 707,000 | 1,184,000 | 1,553,000 |
| Income tax | 117,000 | 271,000 | 442,000 | 513,000 |
| Net income | 200,000 | 436,000 | 742,000 | 1,040,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,441,000 | 14,557,000 | 14,863,000 | 15,032,000 |
| Total capital | 14,943,000 | 15,070,000 | 15,388,000 | 15,568,000 |
| Risk-weighted assets | 48,209,000 | 51,981,000 | 54,551,000 | 53,913,000 |
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