Call reports 2001
WILLIAMSTOWN SAVINGS BANK — 2001
What WILLIAMSTOWN SAVINGS BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 149,915,000 | 151,442,000 | 152,592,000 | 164,413,000 |
| Total loans | 86,450,000 | 87,143,000 | 89,805,000 | 92,616,000 |
| Allowance for loan losses | 547,000 | 577,000 | 607,000 | 712,000 |
| Securities available for sale | 44,402,000 | 50,730,000 | 43,609,000 | 55,802,000 |
| Securities held to maturity | 5,433,000 | 3,481,000 | 3,396,000 | 3,124,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,274,000 | 100,488,000 | 101,247,000 | 103,818,000 |
| Interest-bearing deposits | 89,034,000 | 93,672,000 | 94,192,000 | 96,840,000 |
| Noninterest-bearing deposits | 6,240,000 | 6,816,000 | 7,055,000 | 6,978,000 |
| Equity capital | 11,018,000 | 11,047,000 | 11,530,000 | 11,553,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,365,000 | 4,814,000 | 7,279,000 | 9,640,000 |
| Interest expense | 1,361,000 | 2,779,000 | 4,142,000 | 5,362,000 |
| Net interest income | 1,004,000 | 2,035,000 | 3,137,000 | 4,278,000 |
| Noninterest income | 81,000 | 160,000 | 238,000 | 334,000 |
| Noninterest expense | 742,000 | 1,516,000 | 2,306,000 | 3,136,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 195,000 |
| Pretax income | 479,000 | 949,000 | 1,395,000 | 1,680,000 |
| Income tax | 156,000 | 284,000 | 417,000 | 465,000 |
| Net income | 323,000 | 665,000 | 978,000 | 1,215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,944,000 | 11,378,000 | 11,518,000 | 11,908,000 |
| Total capital | 11,491,000 | 11,955,000 | 12,125,000 | 12,620,000 |
| Risk-weighted assets | 76,079,000 | 75,629,000 | 75,608,000 | 81,226,000 |