Call reports 2002
WILLIAMSTOWN SAVINGS BANK — 2002
What WILLIAMSTOWN SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 162,165,000 | 164,093,000 | 173,180,000 | 176,794,000 |
| Total loans | 91,705,000 | 92,421,000 | 94,716,000 | 88,955,000 |
| Allowance for loan losses | 743,000 | 774,000 | 804,000 | 834,000 |
| Securities available for sale | 53,188,000 | 56,738,000 | 62,610,000 | 67,923,000 |
| Securities held to maturity | 3,426,000 | 3,345,000 | 2,244,000 | 2,190,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,067,000 | 112,648,000 | 115,617,000 | 121,825,000 |
| Interest-bearing deposits | 105,174,000 | 105,907,000 | 106,473,000 | 113,222,000 |
| Noninterest-bearing deposits | 5,893,000 | 6,741,000 | 9,144,000 | 8,603,000 |
| Equity capital | 11,755,000 | 12,417,000 | 12,978,000 | 13,059,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,451,000 | 4,877,000 | 7,202,000 | 9,381,000 |
| Interest expense | 1,162,000 | 2,317,000 | 3,474,000 | 4,622,000 |
| Net interest income | 1,289,000 | 2,560,000 | 3,728,000 | 4,759,000 |
| Noninterest income | 101,000 | 244,000 | 375,000 | 588,000 |
| Noninterest expense | 864,000 | 1,714,000 | 2,582,000 | 3,524,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 503,000 | 1,064,000 | 1,554,000 | 1,786,000 |
| Income tax | 159,000 | 365,000 | 504,000 | 568,000 |
| Net income | 344,000 | 699,000 | 1,050,000 | 1,218,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,234,000 | 12,254,000 | 12,513,000 | 12,966,000 |
| Total capital | 12,977,000 | 13,028,000 | 13,317,000 | 13,800,000 |
| Risk-weighted assets | 82,270,000 | 83,162,000 | 90,980,000 | 88,340,000 |