Call reports 2019
WALCOTT TRUST AND SAVINGS BANK — 2019
What WALCOTT TRUST AND SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 130,037,000 | 130,116,000 | 124,284,000 | 139,813,000 |
| Total loans | 90,059,000 | 92,434,000 | 91,835,000 | 93,707,000 |
| Allowance for loan losses | 1,050,000 | 1,033,000 | 1,039,000 | 0 |
| Securities available for sale | 22,454,000 | 21,596,000 | 11,879,000 | 11,564,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,646,000 | 108,080,000 | 102,118,000 | 118,924,000 |
| Interest-bearing deposits | 89,871,000 | 89,945,000 | 85,871,000 | 99,411,000 |
| Noninterest-bearing deposits | 16,775,000 | 18,135,000 | 16,247,000 | 19,513,000 |
| Equity capital | 19,007,000 | 17,517,000 | 17,681,000 | 16,280,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,339,000 | 2,754,000 | 4,165,000 | 464,000 |
| Interest expense | 304,000 | 612,000 | 911,000 | 98,000 |
| Net interest income | 1,035,000 | 2,142,000 | 3,254,000 | 366,000 |
| Noninterest income | 96,000 | 201,000 | 304,000 | 16,000 |
| Noninterest expense | 976,000 | 1,809,000 | 2,767,000 | 261,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 0 |
| Pretax income | 155,000 | 534,000 | 507,000 | 121,000 |
| Income tax | 30,000 | 115,000 | 101,000 | 27,000 |
| Net income | 125,000 | 419,000 | 406,000 | 94,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,150,000 | 17,443,000 | 17,431,000 | 8,997,000 |
| Total capital | 20,200,000 | 18,476,000 | 18,470,000 | 8,997,000 |
| Risk-weighted assets | 94,249,000 | 95,435,000 | 94,658,000 | 96,120,000 |