Call reports 2010
WALCOTT TRUST AND SAVINGS BANK — 2010
What WALCOTT TRUST AND SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 86,331,000 | 86,674,000 | 86,204,000 | 89,559,000 |
| Total loans | 64,698,000 | 64,684,000 | 65,057,000 | 64,425,000 |
| Allowance for loan losses | 610,000 | 626,000 | 891,000 | 866,000 |
| Securities available for sale | 7,104,000 | 7,657,000 | 7,532,000 | 6,400,000 |
| Securities held to maturity | 3,470,000 | 3,719,000 | 3,218,000 | 4,218,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,911,000 | 66,048,000 | 66,323,000 | 70,243,000 |
| Interest-bearing deposits | 58,024,000 | 57,504,000 | 58,270,000 | 61,980,000 |
| Noninterest-bearing deposits | 7,887,000 | 8,544,000 | 8,054,000 | 8,263,000 |
| Equity capital | 17,001,000 | 17,207,000 | 17,393,000 | 17,513,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,116,000 | 2,267,000 | 3,401,000 | 4,570,000 |
| Interest expense | 261,000 | 510,000 | 753,000 | 990,000 |
| Net interest income | 855,000 | 1,757,000 | 2,648,000 | 3,580,000 |
| Noninterest income | 103,000 | 260,000 | 457,000 | 715,000 |
| Noninterest expense | 553,000 | 1,120,000 | 1,723,000 | 2,428,000 |
| Provision for loan losses | 15,000 | 30,000 | 295,000 | 320,000 |
| Pretax income | 390,000 | 867,000 | 1,087,000 | 1,547,000 |
| Income tax | 119,000 | 275,000 | 355,000 | 429,000 |
| Net income | 271,000 | 592,000 | 732,000 | 1,118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,855,000 | 17,046,000 | 17,186,000 | 17,422,000 |
| Total capital | 17,465,000 | 17,672,000 | 18,011,000 | 18,243,000 |
| Risk-weighted assets | 66,091,000 | 65,375,000 | 65,929,000 | 65,598,000 |
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