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)
 2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves2,859,2762,462,88416.092,674,04727.71
Loans Held for Sale, before Reserves45,69311,636292.6935,473115.24
Loan Loss Reserve28,02327,8860.4927,7683.67
Net Loans Receivable2,876,9462,446,63417.592,681,75229.11
Intangible Assets62,96363,607(1.01)63,118(0.98)
Total Assets3,586,8743,188,86712.483,415,88220.02
Deposits2,754,8182,505,3219.962,738,8882.33
Debt, Senior and Subordinated429,111310,94138.00284,511203.30
Common Equity346,279329,6465.05348,562(2.62)
Total Shareholders' Equity346,279329,6465.05348,562(2.62)
Shares Outstanding (actual)16,746,36316,613,5610.8016,721,1720.60
Income Statement ($000)
 2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Net Interest Income26,26323,52111.6624,93821.25
Provision for Loan Losses50040025.00600(66.67)
Noninterest Income13,76915,879(13.29)13,18817.62
Noninterest Expense23,06024,048(4.11)22,04718.38
Net Income Before Taxes16,40914,19315.6115,41625.77
Provision for Taxes5,2184,40418.484,87827.88
Net Income11,1919,78914.3210,53824.79
Per Share Items ($)
 2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Book Value per Share20.6819.844.2120.85(3.22)
Tangible Book Value16.9216.015.6517.07(3.58)
Diluted EPS Before Extra0.660.5813.790.6225.81
Diluted EPS After Extra0.660.5813.790.6225.81
Dividends Declared0.32000.270018.520.32000.00
Performance Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
ROAA1.271.2431.252
ROAE12.6811.987012.1553
Net Interest Margin3.233.24(1)3.212
Loans / Deposits103.7998.3154997.63616
Efficiency Ratio56.3059.56(326)56.45(14)
Balance Sheet Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.048.51(47)8.51(47)
Equity/ Assets9.6510.34(68)10.20(55)
Asset Quality Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.480.62(14)0.53(5)
Loan Loss Reserves/ Gross Loans0.961.13(16)1.02(6)
Loan Loss Reserves/ NPAs96.1761.263,49292.29388
Net Charge-offs/ Avg Loans0.030.09(5)0.022
Regulatory Capital Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio11.5212.12(60)12.15(63)
   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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