Call reports 2018
WALCOTT TRUST AND SAVINGS BANK — 2018
What WALCOTT TRUST AND SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 123,010,000 | 126,473,000 | 125,839,000 | 123,832,000 |
| Total loans | 82,349,000 | 82,140,000 | 85,284,000 | 89,884,000 |
| Allowance for loan losses | 1,220,000 | 1,220,000 | 1,220,000 | 1,050,000 |
| Securities available for sale | 26,548,000 | 31,293,000 | 29,772,000 | 23,229,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,018,000 | 100,693,000 | 94,886,000 | 93,872,000 |
| Interest-bearing deposits | 81,382,000 | 85,076,000 | 79,058,000 | 77,217,000 |
| Noninterest-bearing deposits | 15,636,000 | 15,617,000 | 15,828,000 | 16,655,000 |
| Equity capital | 20,763,000 | 20,543,000 | 20,646,000 | 19,727,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,192,000 | 2,399,000 | 3,678,000 | 4,997,000 |
| Interest expense | 166,000 | 350,000 | 561,000 | 842,000 |
| Net interest income | 1,026,000 | 2,049,000 | 3,117,000 | 4,155,000 |
| Noninterest income | 97,000 | 197,000 | 299,000 | 385,000 |
| Noninterest expense | 781,000 | 1,567,000 | 2,363,000 | 3,390,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 331,000 | 668,000 | 1,042,000 | 998,000 |
| Income tax | 62,000 | 131,000 | 208,000 | 139,000 |
| Net income | 269,000 | 537,000 | 834,000 | 859,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,984,000 | 20,883,000 | 21,180,000 | 20,024,000 |
| Total capital | 22,044,000 | 21,940,000 | 22,312,000 | 21,074,000 |
| Risk-weighted assets | 84,652,000 | 84,437,000 | 90,522,000 | 92,277,000 |