Call reports 2016
WALCOTT TRUST AND SAVINGS BANK — 2016
What WALCOTT TRUST AND SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 114,157,000 | 123,726,000 | 123,409,000 | 123,406,000 |
| Total loans | 73,594,000 | 74,641,000 | 75,111,000 | 75,810,000 |
| Allowance for loan losses | 894,000 | 900,000 | 907,000 | 912,000 |
| Securities available for sale | 25,194,000 | 32,778,000 | 36,422,000 | 34,954,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,780,000 | 92,516,000 | 92,268,000 | 92,611,000 |
| Interest-bearing deposits | 75,187,000 | 77,068,000 | 76,896,000 | 78,091,000 |
| Noninterest-bearing deposits | 13,593,000 | 15,448,000 | 15,372,000 | 14,520,000 |
| Equity capital | 20,104,000 | 20,292,000 | 20,333,000 | 19,906,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,015,000 | 2,061,000 | 3,135,000 | 4,275,000 |
| Interest expense | 146,000 | 299,000 | 461,000 | 616,000 |
| Net interest income | 869,000 | 1,762,000 | 2,674,000 | 3,659,000 |
| Noninterest income | 97,000 | 199,000 | 292,000 | 436,000 |
| Noninterest expense | 821,000 | 1,617,000 | 2,403,000 | 3,222,000 |
| Provision for loan losses | 0 | 2,000 | 3,000 | 5,000 |
| Pretax income | 145,000 | 374,000 | 592,000 | 900,000 |
| Income tax | 30,000 | 89,000 | 142,000 | 227,000 |
| Net income | 115,000 | 285,000 | 450,000 | 673,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,985,000 | 20,004,000 | 20,170,000 | 20,192,000 |
| Total capital | 20,879,000 | 20,904,000 | 21,077,000 | 21,104,000 |
| Risk-weighted assets | 73,264,000 | 74,816,000 | 74,162,000 | 74,941,000 |