Call reports 2003
WILLIAMSTOWN SAVINGS BANK — 2003
What WILLIAMSTOWN SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 169,390,000 | 186,811,000 | 179,012,000 | 187,909,000 |
| Total loans | 86,741,000 | 89,492,000 | 87,338,000 | 90,587,000 |
| Allowance for loan losses | 850,000 | 865,000 | 878,000 | 892,000 |
| Securities available for sale | 63,635,000 | 82,459,000 | 76,743,000 | 80,370,000 |
| Securities held to maturity | 1,364,000 | 1,330,000 | 1,203,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,293,000 | 119,012,000 | 122,547,000 | 120,866,000 |
| Interest-bearing deposits | 109,898,000 | 110,025,000 | 112,147,000 | 111,371,000 |
| Noninterest-bearing deposits | 8,395,000 | 8,987,000 | 10,400,000 | 9,495,000 |
| Equity capital | 13,202,000 | 13,676,000 | 13,620,000 | 13,531,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,040,000 | 4,034,000 | 5,824,000 | 7,721,000 |
| Interest expense | 1,036,000 | 1,995,000 | 2,904,000 | 3,753,000 |
| Net interest income | 1,004,000 | 2,039,000 | 2,920,000 | 3,968,000 |
| Noninterest income | 247,000 | 440,000 | 1,099,000 | 1,223,000 |
| Noninterest expense | 923,000 | 1,835,000 | 2,795,000 | 3,867,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 355,000 | 834,000 | 1,377,000 | 1,463,000 |
| Income tax | 117,000 | 281,000 | 506,000 | 513,000 |
| Net income | 238,000 | 553,000 | 871,000 | 950,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,102,000 | 13,467,000 | 13,700,000 | 13,750,000 |
| Total capital | 13,952,000 | 14,332,000 | 14,585,000 | 14,666,000 |
| Risk-weighted assets | 88,071,000 | 92,456,000 | 100,228,000 | 93,663,000 |