Call reports 2017
WALCOTT TRUST AND SAVINGS BANK — 2017
What WALCOTT TRUST AND SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 125,913,000 | 123,845,000 | 125,985,000 | 126,843,000 |
| Total loans | 76,025,000 | 76,755,000 | 77,910,000 | 81,764,000 |
| Allowance for loan losses | 919,000 | 1,193,000 | 1,193,000 | 1,195,000 |
| Securities available for sale | 34,510,000 | 33,613,000 | 32,939,000 | 31,940,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,705,000 | 92,376,000 | 99,796,000 | 100,785,000 |
| Interest-bearing deposits | 80,030,000 | 78,586,000 | 85,123,000 | 86,253,000 |
| Noninterest-bearing deposits | 13,675,000 | 13,790,000 | 14,673,000 | 14,532,000 |
| Equity capital | 20,174,000 | 20,617,000 | 20,832,000 | 20,766,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,086,000 | 2,244,000 | 3,423,000 | 4,639,000 |
| Interest expense | 157,000 | 330,000 | 503,000 | 668,000 |
| Net interest income | 929,000 | 1,914,000 | 2,920,000 | 3,971,000 |
| Noninterest income | 110,000 | 227,000 | 345,000 | 508,000 |
| Noninterest expense | 755,000 | 1,486,000 | 2,200,000 | 3,149,000 |
| Provision for loan losses | 6,000 | 29,000 | 34,000 | 34,000 |
| Pretax income | 278,000 | 626,000 | 1,035,000 | 1,300,000 |
| Income tax | 75,000 | 176,000 | 290,000 | 357,000 |
| Net income | 203,000 | 450,000 | 745,000 | 943,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,395,000 | 20,483,000 | 20,778,000 | 20,715,000 |
| Total capital | 21,314,000 | 21,436,000 | 21,800,000 | 21,782,000 |
| Risk-weighted assets | 76,619,000 | 75,980,000 | 81,571,000 | 85,244,000 |