Call reports 2004
WILLIAMSTOWN SAVINGS BANK — 2004
What WILLIAMSTOWN SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 199,634,000 | 207,845,000 | 211,353,000 | 221,015,000 |
| Total loans | 93,240,000 | 102,454,000 | 108,402,000 | 108,972,000 |
| Allowance for loan losses | 907,000 | 881,000 | 941,000 | 1,051,000 |
| Securities available for sale | 92,319,000 | 84,582,000 | 87,283,000 | 95,043,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,437,000 | 121,284,000 | 122,160,000 | 130,010,000 |
| Interest-bearing deposits | 107,442,000 | 110,711,000 | 111,285,000 | 119,355,000 |
| Noninterest-bearing deposits | 7,995,000 | 10,573,000 | 10,875,000 | 10,655,000 |
| Equity capital | 13,891,000 | 12,991,000 | 13,970,000 | 14,060,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,030,000 | 4,078,000 | 6,233,000 | 8,550,000 |
| Interest expense | 814,000 | 1,663,000 | 2,509,000 | 3,493,000 |
| Net interest income | 1,216,000 | 2,415,000 | 3,724,000 | 5,057,000 |
| Noninterest income | 105,000 | 229,000 | 323,000 | 427,000 |
| Noninterest expense | 1,009,000 | 2,013,000 | 3,014,000 | 4,138,000 |
| Provision for loan losses | 15,000 | 55,000 | 115,000 | 225,000 |
| Pretax income | 440,000 | 788,000 | 1,181,000 | 1,436,000 |
| Income tax | 154,000 | 277,000 | 426,000 | 488,000 |
| Net income | 286,000 | 511,000 | 755,000 | 948,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,037,000 | 14,262,000 | 14,510,000 | 14,705,000 |
| Total capital | 14,970,000 | 15,163,000 | 15,470,000 | 15,771,000 |
| Risk-weighted assets | 97,038,000 | 104,339,000 | 105,533,000 | 106,390,000 |