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Bank Case for Washington Trust Bank
QUESTION
Bank Case for Washington Trust Bank
Subject | Business | Pages | 3 | Style | APA |
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Answer
Income on Loans & Leases (15) |
180,845 |
202,685 |
224,721 |
237,786 |
Improving |
Favorable |
Favorable |
Investment Interest Income (16) |
27,177 |
29,962 |
42,051 |
47,231 |
Improving |
Favorable |
Favorable |
Interest Income from Other Sources (17) |
212,285 |
248,368 |
274,792 |
287,815 |
Improving |
Favorable |
Favorable |
Total Interest Income (18:15+16+17) |
420,307 |
481,015 |
541,564 |
572,832 |
Improving |
Favorable |
Favorable |
Total Interest Expense on Deposits (19) |
4,096 |
11,180 |
16,845 |
13,623 |
Fluctuating |
Favorable |
Favorable |
Total Other Interest Expense (20) |
183 |
452 |
2,452 |
1,590 |
Fluctuating |
Favorable |
Favorable |
Total Interest Expense (21:19+20) |
4,279 |
11,632 |
19,297 |
15,213 |
Fluctuating |
Favorable |
Favorable |
Net Interest Income (22:18-21) |
416,028 |
469,383 |
522,267 |
557,619 |
Improving |
Favorable |
Favorable |
Total Noninterest Income (23) |
49,185 |
49,435 |
50,210 |
63,588 |
Improving |
Favorable |
Favorable |
Total Noninterest Expense (24) |
166,940 |
178,700 |
191,921 |
207,231 |
Improving |
Unfavorable |
Unfavorable |
Provision for Loan & Lease Losses (25) |
– |
2,700 |
3,200 |
10,561 |
Improving |
Unfavorable |
Unfavorable |
Realized Gain(Loss) on Secs (26) |
– |
– |
(1,853) |
3,889 |
Improving |
Favorable |
Favorable |
Pretax Net Operating Income (27:22+23-24-25+26) |
298,273 |
337,418 |
375,503 |
407,304 |
Improving |
Favorable |
Favorable |
Applicable Income Taxes (28) |
47,686 |
21,344 |
23,791 |
21,926 |
Deteroriating |
Unfavorable |
Unfavorable |
Net Operating Income (29:27-28) |
250,587 |
316,074 |
351,712 |
385,378 |
Fluctuating |
Unfavorable |
Unfavorable |
Net Extraordinary Items (30) |
– |
– |
– |
– |
Same |
Unfavorable |
Unfavorable |
Net Income (31:29+30) |
250,587 |
316,074 |
351,712 |
385,378 |
Improving |
Favorable |
Favorable |
Total Revenue/Total Operating Income (32:18+23) |
469,492 |
530,450 |
591,774 |
636,420 |
Improving |
Favorable |
Favorable |
Total Operating Expense (33:21+24+25) |
171,219 |
193,032 |
214,418 |
233,005 |
Improving |
Unfavorable |
Unfavorable |
Supplemental Data |
|
|
|
|
|
|
|
Average total assets |
6,185,322 |
6,620,143 |
6,855,380 |
9,472,999 |
Improving |
Favorable |
Favorable |
Average total equity |
517,148 |
584,475 |
674,953 |
778,960 |
Improving |
Favorable |
Favorable |
Domestic Banking Offices |
5,162 |
1,526 |
4,262 |
5,162 |
Fluctuating |
Unfavorable |
Unfavorable |
Foreign Branches |
4,262 |
4,527 |
5,262 |
4,521 |
Fluctuating |
Unfavorable |
Unfavorable |
Personnel Expenses |
81,343 |
87,934 |
114,769 |
60,824 |
Fluctuating |
Unfavorable |
Unfavorable |
Risk-based Capital |
|
|
|
|
|||
Net Tier 1 Capital |
1,138,285 |
1,280,856 |
908,984 |
1,051,608 |
Fluctuating |
Unfavorable |
Unfavorable |
Net eligible Tier 2 |
1,526 |
4,162 |
4,162 |
4,141 |
Fluctuating |
Unfavorable |
Unfavorable |
Tier 3 |
2,617 |
5,172 |
3,152 |
4,162 |
Fluctuating |
Unfavorable |
Unfavorable |
Deductions |
4,162 |
4,172 |
5,162 |
4,513 |
Fluctuating |
Unfavorable |
Unfavorable |
Total risk-based-capital |
1,146,590 |
1,294,362 |
921,460 |
1,064,424 |
Fluctuating |
Unfavorable |
Unfavorable |
Total risk-weighted assets |
1,138,285 |
1,280,856 |
930,982 |
1,046,650 |
Fluctuating |
Unfavorable |
Unfavorable |
Loan Loss Account |
|
|
|
|
|||
Credit Allowance Beginning Balance |
8,578,700 |
86,784,000 |
90,748,593 |
3,869,192 |
Fluctuating |
Unfavorable |
Unfavorable |
Gross Credit Losses |
(161) |
(41) |
(16) |
(14) |
Fluctuating |
Unfavorable |
Unfavorable |
Loans HFS writedowns |
4,864 |
5,242 |
1,334 |
1,455 |
Fluctuating |
Unfavorable |
Unfavorable |
Recoveries |
6,288 |
6,544 |
165,000 |
15,000 |
Fluctuating |
Unfavorable |
Unfavorable |
Net Credit Losses |
(6,449) |
(6,585) |
(165,016) |
(15,014) |
Fluctuating |
Unfavorable |
Unfavorable |
Provisions for Credit Losses |
200 |
2,700 |
3,200 |
10,561 |
Improving |
Favorable |
Favorable |
Other adjustments |
243 |
156 |
152 |
152 |
Deteroriating |
Unfavorable |
Unfavorable |
Credit Allowance Ending Balance |
8,585,592 |
86,793,441 |
90,916,961 |
3,894,919 |
Fluctuating |
Unfavorable |
Unfavorable |
Average total loans & leases |
612 |
152 |
162 |
152 |
Deteroriating |
Unfavorable |
Unfavorable |
Noncurrent Loans & Leases |
|
|
|
|
|||
90 days and over past due |
265,789 |
1,343,699 |
452,524 |
6,384 |
Fluctuating |
Unfavorable |
Unfavorable |
Total nonaccrual ln&ls |
11,223,901 |
10,670,965 |
17,408 |
14,740 |
Deteroriating |
Unfavorable |
Unfavorable |
Total non-current ln&ls |
11,489,690 |
12,014,664 |
469,932 |
21,124 |
Deteroriating |
Unfavorable |
Unfavorable |
Ln&Ls 30-89 days past due |
11,223,901 |
10,670,965 |
1,762,830 |
1,527,203 |
Deteroriating |
Unfavorable |
Unfavorable |
Misc restructured ln&ls |
51,682 |
35,221 |
35,272 |
25,363 |
deteroriating |
Unfavorable |
Unfavorable |
All other real estate owned |
25,332 |
3,423 |
5,163 |
4,433 |
Fluctuating |
Unfavorable |
Unfavorable |
References
Appendix
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