Call reports 2011
WALCOTT TRUST AND SAVINGS BANK — 2011
What WALCOTT TRUST AND SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 92,592,000 | 94,131,000 | 103,364,000 | 101,582,000 |
| Total loans | 64,659,000 | 67,437,000 | 67,043,000 | 63,727,000 |
| Allowance for loan losses | 895,000 | 1,285,000 | 720,000 | 750,000 |
| Securities available for sale | 6,090,000 | 6,497,000 | 6,990,000 | 8,367,000 |
| Securities held to maturity | 4,155,000 | 3,155,000 | 2,704,000 | 2,705,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,205,000 | 73,463,000 | 82,837,000 | 81,015,000 |
| Interest-bearing deposits | 64,484,000 | 65,030,000 | 74,240,000 | 72,099,000 |
| Noninterest-bearing deposits | 8,721,000 | 8,433,000 | 8,597,000 | 8,916,000 |
| Equity capital | 17,765,000 | 17,758,000 | 17,602,000 | 17,716,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,065,000 | 2,171,000 | 3,290,000 | 4,354,000 |
| Interest expense | 225,000 | 458,000 | 699,000 | 956,000 |
| Net interest income | 840,000 | 1,713,000 | 2,591,000 | 3,398,000 |
| Noninterest income | 77,000 | 210,000 | 498,000 | 653,000 |
| Noninterest expense | 543,000 | 1,142,000 | 1,746,000 | 2,311,000 |
| Provision for loan losses | 30,000 | 425,000 | 1,231,000 | 1,261,000 |
| Pretax income | 344,000 | 356,000 | 112,000 | 479,000 |
| Income tax | 99,000 | 30,000 | 0 | 108,000 |
| Net income | 245,000 | 326,000 | 112,000 | 371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,666,000 | 17,618,000 | 17,404,000 | 17,533,000 |
| Total capital | 18,494,000 | 18,465,000 | 18,124,000 | 18,283,000 |
| Risk-weighted assets | 66,179,000 | 67,340,000 | 67,253,000 | 64,374,000 |