Call reports 2014
WALCOTT TRUST AND SAVINGS BANK — 2014
What WALCOTT TRUST AND SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 104,941,000 | 102,677,000 | 102,126,000 | 107,540,000 |
| Total loans | 70,032,000 | 69,688,000 | 68,184,000 | 71,139,000 |
| Allowance for loan losses | 825,000 | 869,000 | 921,000 | 954,000 |
| Securities available for sale | 21,228,000 | 21,402,000 | 19,802,000 | 20,467,000 |
| Securities held to maturity | 300,000 | 300,000 | 300,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,461,000 | 83,001,000 | 82,015,000 | 84,544,000 |
| Interest-bearing deposits | 73,893,000 | 71,508,000 | 69,588,000 | 70,870,000 |
| Noninterest-bearing deposits | 11,568,000 | 11,493,000 | 12,427,000 | 13,674,000 |
| Equity capital | 19,179,000 | 19,400,000 | 19,828,000 | 19,736,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,009,000 | 2,009,000 | 3,016,000 | 4,000,000 |
| Interest expense | 109,000 | 218,000 | 326,000 | 432,000 |
| Net interest income | 900,000 | 1,791,000 | 2,690,000 | 3,568,000 |
| Noninterest income | 512,000 | 653,000 | 887,000 | 1,125,000 |
| Noninterest expense | 659,000 | 1,247,000 | 1,937,000 | 2,898,000 |
| Provision for loan losses | 30,000 | 75,000 | 130,000 | 177,000 |
| Pretax income | 741,000 | 1,140,000 | 1,528,000 | 1,615,000 |
| Income tax | 257,000 | 384,000 | 502,000 | 530,000 |
| Net income | 484,000 | 756,000 | 1,026,000 | 1,085,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,411,000 | 19,533,000 | 19,803,000 | 19,702,000 |
| Total capital | 20,236,000 | 20,395,000 | 20,679,000 | 20,612,000 |
| Risk-weighted assets | 69,557,000 | 68,927,000 | 70,058,000 | 72,749,000 |
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