Call reports 2013
WALCOTT TRUST AND SAVINGS BANK — 2013
What WALCOTT TRUST AND SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 108,434,000 | 104,405,000 | 105,421,000 | 102,696,000 |
| Total loans | 69,370,000 | 69,660,000 | 69,200,000 | 70,136,000 |
| Allowance for loan losses | 707,000 | 735,000 | 765,000 | 795,000 |
| Securities available for sale | 22,611,000 | 21,646,000 | 21,636,000 | 21,748,000 |
| Securities held to maturity | 300,000 | 300,000 | 300,000 | 300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,876,000 | 83,119,000 | 84,038,000 | 82,776,000 |
| Interest-bearing deposits | 74,511,000 | 71,958,000 | 70,429,000 | 71,179,000 |
| Noninterest-bearing deposits | 12,365,000 | 11,161,000 | 13,609,000 | 11,597,000 |
| Equity capital | 18,662,000 | 18,561,000 | 18,678,000 | 18,539,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,014,000 | 2,046,000 | 3,070,000 | 4,101,000 |
| Interest expense | 163,000 | 351,000 | 487,000 | 619,000 |
| Net interest income | 851,000 | 1,695,000 | 2,583,000 | 3,482,000 |
| Noninterest income | 238,000 | 355,000 | 667,000 | 764,000 |
| Noninterest expense | 570,000 | 1,154,000 | 1,786,000 | 2,637,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 489,000 | 863,000 | 1,401,000 | 1,516,000 |
| Income tax | 166,000 | 290,000 | 473,000 | 501,000 |
| Net income | 323,000 | 573,000 | 928,000 | 1,015,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,405,000 | 18,645,000 | 19,000,000 | 18,927,000 |
| Total capital | 19,112,000 | 19,380,000 | 19,765,000 | 19,722,000 |
| Risk-weighted assets | 71,291,000 | 71,831,000 | 71,795,000 | 69,844,000 |
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