The Washington Trust Company
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WASHINGTON TRUST BANCORP, INC. (NASDAQ - WASH)
Trend Analysis--Quarterly (click here for Annual Analysis)

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Balance Sheet ($000)
 2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves2,462,8842,294,0037.362,353,76618.54
Loans Held for Sale, before Reserves11,63650,056(76.75)13,105(44.84)
Loan Loss Reserve27,88630,873(9.68)28,008(1.74)
Net Loans Receivable2,446,6342,313,1865.772,338,86318.43
Intangible Assets63,60764,287(1.06)63,771(1.03)
Total Assets3,188,8673,071,8843.813,131,9587.27
Deposits2,505,3212,312,6318.332,454,8318.23
Debt, Senior and Subordinated310,941395,375(21.36)311,963(1.31)
Common Equity329,646295,65211.50323,5857.49
Total Shareholders' Equity329,646295,65211.50323,5857.49
Shares Outstanding (actual)16,613,56116,379,7711.4316,589,4720.58
Income Statement ($000)
 2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Net Interest Income23,52123,1641.5423,3882.27
Provision for Loan Losses400600(33.33)700(171.43)
Noninterest Income15,87916,893(6.00)17,447(35.95)
Noninterest Expense24,04827,458(12.42)25,548(23.49)
Net Income Before Taxes14,19313,0308.9314,540(9.55)
Provision for Taxes4,4044,0079.914,580(15.37)
Net Income9,7899,0238.499,960(6.87)
Per Share Items ($)
 2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Book Value per Share19.8418.059.9319.516.90
Tangible Book Value16.0114.1313.3715.668.99
Diluted EPS Before Extra0.580.555.450.59(6.78)
Diluted EPS After Extra0.580.555.450.59(6.78)
Dividends Declared0.27000.240012.500.260015.38
Performance Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
ROAA1.241.1951.29(5)
ROAE11.9812.01(3)12.82(84)
Net Interest Margin3.243.33(9)3.29(5)
Loans / Deposits98.3199.19(89)95.88242
Efficiency Ratio59.5666.82(727)61.18(162)
Balance Sheet Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.517.69828.474
Equity/ Assets10.349.627110.331
Asset Quality Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.620.83(21)0.66(4)
Loan Loss Reserves/ Gross Loans1.131.32(19)1.18(6)
Loan Loss Reserves/ NPAs61.2672.04(1,078)59.47179
Net Charge-offs/ Avg Loans0.090.0800.10(1)
Regulatory Capital Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio12.1212.011112.23(11)
   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.



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