Call reports 2005
WILLIAMSTOWN SAVINGS BANK — 2005
What WILLIAMSTOWN SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 231,609,000 | 226,419,000 | 229,785,000 | 243,163,000 |
| Total loans | 111,665,000 | 118,656,000 | 116,920,000 | 120,014,000 |
| Allowance for loan losses | 1,113,000 | 1,173,000 | 1,229,000 | 1,286,000 |
| Securities available for sale | 93,586,000 | 86,404,000 | 97,784,000 | 105,638,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,348,000 | 129,455,000 | 131,016,000 | 135,511,000 |
| Interest-bearing deposits | 117,116,000 | 117,610,000 | 119,739,000 | 124,705,000 |
| Noninterest-bearing deposits | 12,232,000 | 11,845,000 | 11,277,000 | 10,806,000 |
| Equity capital | 13,751,000 | 14,570,000 | 14,301,000 | 14,254,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,458,000 | 5,009,000 | 7,594,000 | 10,321,000 |
| Interest expense | 1,102,000 | 2,320,000 | 3,640,000 | 5,139,000 |
| Net interest income | 1,356,000 | 2,689,000 | 3,954,000 | 5,182,000 |
| Noninterest income | 151,000 | 330,000 | 493,000 | 654,000 |
| Noninterest expense | 1,095,000 | 2,167,000 | 3,286,000 | 4,334,000 |
| Provision for loan losses | 60,000 | 126,000 | 186,000 | 247,000 |
| Pretax income | 390,000 | 677,000 | 933,000 | 1,172,000 |
| Income tax | 134,000 | 222,000 | 289,000 | 341,000 |
| Net income | 256,000 | 455,000 | 644,000 | 831,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,763,000 | 15,163,000 | 15,559,000 | 15,542,000 |
| Total capital | 15,883,000 | 16,336,000 | 16,789,000 | 16,839,000 |
| Risk-weighted assets | 110,158,000 | 111,938,000 | 112,262,000 | 126,509,000 |