Call reports 2007
WILLIAMSTOWN SAVINGS BANK — 2007
What WILLIAMSTOWN SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 258,225,000 | 267,140,000 | 264,215,000 | 267,551,000 |
| Total loans | 127,027,000 | 128,955,000 | 125,401,000 | 126,421,000 |
| Allowance for loan losses | 1,379,000 | 1,276,000 | 1,275,000 | 1,276,000 |
| Securities available for sale | 114,118,000 | 120,323,000 | 118,652,000 | 123,986,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,856,000 | 145,478,000 | 151,210,000 | 155,439,000 |
| Interest-bearing deposits | 128,172,000 | 133,517,000 | 138,900,000 | 142,621,000 |
| Noninterest-bearing deposits | 11,684,000 | 11,961,000 | 12,310,000 | 12,818,000 |
| Equity capital | 15,280,000 | 14,500,000 | 15,464,000 | 16,035,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,405,000 | 6,878,000 | 10,445,000 | 13,934,000 |
| Interest expense | 2,323,000 | 4,714,000 | 7,099,000 | 9,452,000 |
| Net interest income | 1,082,000 | 2,164,000 | 3,346,000 | 4,482,000 |
| Noninterest income | 130,000 | 262,000 | 397,000 | 544,000 |
| Noninterest expense | 1,066,000 | 2,134,000 | 3,219,000 | 4,167,000 |
| Provision for loan losses | 1,000 | 2,000 | 2,000 | 4,000 |
| Pretax income | 149,000 | 279,000 | 499,000 | 751,000 |
| Income tax | -25,000 | -74,000 | -54,000 | -114,000 |
| Net income | 174,000 | 353,000 | 553,000 | 865,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,402,000 | 16,583,000 | 16,786,000 | 17,066,000 |
| Total capital | 17,800,000 | 17,859,000 | 18,062,000 | 18,340,000 |
| Risk-weighted assets | 129,511,000 | 132,118,000 | 133,475,000 | 135,808,000 |