Call reports 2008
WALCOTT TRUST AND SAVINGS BANK — 2008
What WALCOTT TRUST AND SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 80,885,000 | 78,883,000 | 74,877,000 | 77,022,000 |
| Total loans | 53,014,000 | 58,676,000 | 52,677,000 | 56,726,000 |
| Allowance for loan losses | 547,000 | 558,000 | 558,000 | 573,000 |
| Securities available for sale | 7,349,000 | 7,066,000 | 7,414,000 | 7,502,000 |
| Securities held to maturity | 2,765,000 | 2,743,000 | 2,743,000 | 3,240,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,704,000 | 59,714,000 | 55,419,000 | 56,940,000 |
| Interest-bearing deposits | 55,109,000 | 51,935,000 | 47,787,000 | 49,882,000 |
| Noninterest-bearing deposits | 7,595,000 | 7,779,000 | 7,632,000 | 7,058,000 |
| Equity capital | 15,327,000 | 15,421,000 | 15,735,000 | 15,962,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,262,000 | 2,529,000 | 3,719,000 | 4,844,000 |
| Interest expense | 475,000 | 883,000 | 1,252,000 | 1,595,000 |
| Net interest income | 787,000 | 1,646,000 | 2,467,000 | 3,249,000 |
| Noninterest income | 66,000 | 204,000 | 477,000 | 749,000 |
| Noninterest expense | 473,000 | 958,000 | 1,508,000 | 2,267,000 |
| Provision for loan losses | 11,000 | 22,000 | 22,000 | 45,000 |
| Pretax income | 369,000 | 870,000 | 1,414,000 | 1,686,000 |
| Income tax | 130,000 | 327,000 | 540,000 | 582,000 |
| Net income | 239,000 | 543,000 | 874,000 | 1,104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,270,000 | 15,454,000 | 15,785,000 | 15,875,000 |
| Total capital | 15,817,000 | 16,012,000 | 16,343,000 | 16,448,000 |
| Risk-weighted assets | 56,203,000 | 60,223,000 | 55,132,000 | 58,401,000 |
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