Call reports 2009
WALCOTT TRUST AND SAVINGS BANK — 2009
What WALCOTT TRUST AND SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 78,274,000 | 81,547,000 | 83,679,000 | 84,019,000 |
| Total loans | 57,499,000 | 60,883,000 | 61,330,000 | 63,168,000 |
| Allowance for loan losses | 585,000 | 596,000 | 608,000 | 601,000 |
| Securities available for sale | 7,465,000 | 8,167,000 | 8,616,000 | 8,390,000 |
| Securities held to maturity | 3,240,000 | 2,718,000 | 2,718,000 | 3,470,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,466,000 | 62,627,000 | 64,357,000 | 64,671,000 |
| Interest-bearing deposits | 51,782,000 | 54,576,000 | 56,412,000 | 56,402,000 |
| Noninterest-bearing deposits | 7,684,000 | 8,051,000 | 7,945,000 | 8,269,000 |
| Equity capital | 16,167,000 | 16,260,000 | 16,638,000 | 16,704,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,072,000 | 2,163,000 | 3,281,000 | 4,460,000 |
| Interest expense | 322,000 | 632,000 | 932,000 | 1,228,000 |
| Net interest income | 750,000 | 1,531,000 | 2,349,000 | 3,232,000 |
| Noninterest income | 100,000 | 224,000 | 436,000 | 636,000 |
| Noninterest expense | 550,000 | 1,142,000 | 1,751,000 | 2,379,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 288,000 | 589,000 | 1,026,000 | 1,469,000 |
| Income tax | 92,000 | 206,000 | 345,000 | 500,000 |
| Net income | 196,000 | 383,000 | 681,000 | 969,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,071,000 | 16,138,000 | 16,436,000 | 16,584,000 |
| Total capital | 16,656,000 | 16,734,000 | 17,044,000 | 17,185,000 |
| Risk-weighted assets | 59,301,000 | 62,816,000 | 63,927,000 | 65,356,000 |
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