Call reports 2012
WALCOTT TRUST AND SAVINGS BANK — 2012
What WALCOTT TRUST AND SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 103,938,000 | 106,755,000 | 101,367,000 | 110,126,000 |
| Total loans | 62,522,000 | 62,706,000 | 66,532,000 | 70,063,000 |
| Allowance for loan losses | 780,000 | 678,000 | 708,000 | 677,000 |
| Securities available for sale | 10,255,000 | 18,556,000 | 24,124,000 | 23,634,000 |
| Securities held to maturity | 2,200,000 | 300,000 | 300,000 | 300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,268,000 | 86,027,000 | 80,170,000 | 89,008,000 |
| Interest-bearing deposits | 74,074,000 | 76,045,000 | 70,379,000 | 74,617,000 |
| Noninterest-bearing deposits | 9,194,000 | 9,982,000 | 9,791,000 | 14,391,000 |
| Equity capital | 17,905,000 | 18,005,000 | 18,356,000 | 18,384,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 988,000 | 1,990,000 | 3,019,000 | 4,079,000 |
| Interest expense | 239,000 | 444,000 | 630,000 | 806,000 |
| Net interest income | 749,000 | 1,546,000 | 2,389,000 | 3,273,000 |
| Noninterest income | 92,000 | 195,000 | 446,000 | 780,000 |
| Noninterest expense | 567,000 | 1,150,000 | 1,730,000 | 2,507,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 132,000 |
| Pretax income | 244,000 | 531,000 | 1,056,000 | 1,456,000 |
| Income tax | 48,000 | 166,000 | 347,000 | 481,000 |
| Net income | 196,000 | 365,000 | 709,000 | 975,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,722,000 | 17,761,000 | 18,105,000 | 18,082,000 |
| Total capital | 18,502,000 | 18,439,000 | 18,813,000 | 18,759,000 |
| Risk-weighted assets | 65,465,000 | 65,301,000 | 70,400,000 | 72,858,000 |