Call reports 2006
WILLIAMSTOWN SAVINGS BANK — 2006
What WILLIAMSTOWN SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 244,251,000 | 249,206,000 | 247,938,000 | 260,341,000 |
| Total loans | 118,598,000 | 122,267,000 | 124,267,000 | 126,254,000 |
| Allowance for loan losses | 1,347,000 | 1,378,000 | 1,378,000 | 1,378,000 |
| Securities available for sale | 107,502,000 | 109,097,000 | 105,714,000 | 113,262,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,901,000 | 135,505,000 | 137,613,000 | 141,908,000 |
| Interest-bearing deposits | 118,535,000 | 124,562,000 | 126,406,000 | 129,808,000 |
| Noninterest-bearing deposits | 10,366,000 | 10,943,000 | 11,207,000 | 12,100,000 |
| Equity capital | 14,000,000 | 13,597,000 | 14,861,000 | 14,885,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,985,000 | 6,127,000 | 9,348,000 | 12,613,000 |
| Interest expense | 1,747,000 | 3,716,000 | 5,867,000 | 8,089,000 |
| Net interest income | 1,238,000 | 2,411,000 | 3,481,000 | 4,524,000 |
| Noninterest income | 140,000 | 286,000 | 430,000 | 573,000 |
| Noninterest expense | 1,065,000 | 2,144,000 | 3,207,000 | 4,260,000 |
| Provision for loan losses | 60,000 | 91,000 | 92,000 | 94,000 |
| Pretax income | 257,000 | 460,000 | 594,000 | 757,000 |
| Income tax | 42,000 | 68,000 | 61,000 | 81,000 |
| Net income | 215,000 | 392,000 | 533,000 | 676,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,760,000 | 15,938,000 | 16,080,000 | 16,226,000 |
| Total capital | 17,135,000 | 17,323,000 | 17,489,000 | 17,634,000 |
| Risk-weighted assets | 116,923,000 | 123,640,000 | 124,852,000 | 128,732,000 |