Call reports 2015
WALCOTT TRUST AND SAVINGS BANK — 2015
What WALCOTT TRUST AND SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 108,340,000 | 109,407,000 | 111,531,000 | 114,655,000 |
| Total loans | 78,148,000 | 77,779,000 | 74,358,000 | 71,609,000 |
| Allowance for loan losses | 996,000 | 1,477,000 | 1,501,000 | 1,086,000 |
| Securities available for sale | 20,322,000 | 19,682,000 | 23,940,000 | 25,476,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,262,000 | 83,294,000 | 83,402,000 | 86,477,000 |
| Interest-bearing deposits | 69,741,000 | 70,553,000 | 71,426,000 | 72,812,000 |
| Noninterest-bearing deposits | 13,521,000 | 12,741,000 | 11,976,000 | 13,665,000 |
| Equity capital | 19,984,000 | 19,603,000 | 19,862,000 | 19,915,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,007,000 | 2,139,000 | 3,147,000 | 4,157,000 |
| Interest expense | 109,000 | 225,000 | 354,000 | 499,000 |
| Net interest income | 898,000 | 1,914,000 | 2,793,000 | 3,658,000 |
| Noninterest income | 130,000 | 251,000 | 381,000 | 541,000 |
| Noninterest expense | 707,000 | 1,488,000 | 2,224,000 | 3,059,000 |
| Provision for loan losses | 46,000 | 520,000 | 544,000 | 544,000 |
| Pretax income | 275,000 | 157,000 | 423,000 | 613,000 |
| Income tax | 81,000 | 20,000 | 99,000 | 146,000 |
| Net income | 194,000 | 137,000 | 324,000 | 467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,897,000 | 19,690,000 | 19,876,000 | 19,870,000 |
| Total capital | 20,893,000 | 20,649,000 | 20,801,000 | 20,764,000 |
| Risk-weighted assets | 80,477,000 | 76,195,000 | 73,422,000 | 71,314,000 |