Call reports 2008
WILLIAMSTOWN SAVINGS BANK — 2008
What WILLIAMSTOWN SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 270,223,000 | 275,844,000 | 276,725,000 | 262,119,000 |
| Total loans | 126,660,000 | 127,817,000 | 126,590,000 | 129,578,000 |
| Allowance for loan losses | 1,277,000 | 1,279,000 | 1,280,000 | 1,276,000 |
| Securities available for sale | 122,854,000 | 128,887,000 | 131,043,000 | 107,862,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,520,000 | 148,438,000 | 152,007,000 | 156,635,000 |
| Interest-bearing deposits | 147,293,000 | 134,403,000 | 137,227,000 | 141,959,000 |
| Noninterest-bearing deposits | 12,227,000 | 14,035,000 | 14,780,000 | 14,676,000 |
| Equity capital | 16,504,000 | 15,548,000 | 13,643,000 | 15,282,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,488,000 | 7,025,000 | 10,586,000 | 14,054,000 |
| Interest expense | 2,198,000 | 4,155,000 | 6,079,000 | 7,818,000 |
| Net interest income | 1,290,000 | 2,870,000 | 4,507,000 | 6,236,000 |
| Noninterest income | 165,000 | 315,000 | 443,000 | 576,000 |
| Noninterest expense | 993,000 | 1,961,000 | 2,943,000 | 4,048,000 |
| Provision for loan losses | 1,000 | 0 | 0 | 3,000 |
| Pretax income | 357,000 | 1,093,000 | 1,333,000 | 2,150,000 |
| Income tax | 61,000 | 297,000 | 531,000 | 622,000 |
| Net income | 296,000 | 796,000 | 802,000 | 1,528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,312,000 | 17,668,000 | 17,653,000 | 18,098,000 |
| Total capital | 18,589,000 | 18,946,000 | 18,932,000 | 19,375,000 |
| Risk-weighted assets | 137,997,000 | 140,580,000 | 142,149,000 | 137,230,000 |