Call reports 2009
WILLIAMSTOWN SAVINGS BANK — 2009
What WILLIAMSTOWN SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 248,962,000 | 255,291,000 | 240,948,000 | 241,791,000 |
| Total loans | 124,533,000 | 120,637,000 | 115,425,000 | 115,652,000 |
| Allowance for loan losses | 1,334,000 | 1,394,000 | 1,275,000 | 1,426,000 |
| Securities available for sale | 92,684,000 | 104,019,000 | 94,216,000 | 96,388,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,926,000 | 169,421,000 | 162,334,000 | 149,896,000 |
| Interest-bearing deposits | 146,441,000 | 153,213,000 | 146,424,000 | 133,956,000 |
| Noninterest-bearing deposits | 14,485,000 | 16,208,000 | 15,910,000 | 15,940,000 |
| Equity capital | 15,811,000 | 16,028,000 | 17,077,000 | 16,604,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,884,000 | 5,429,000 | 7,954,000 | 10,280,000 |
| Interest expense | 1,587,000 | 3,021,000 | 4,275,000 | 5,253,000 |
| Net interest income | 1,297,000 | 2,408,000 | 3,679,000 | 5,027,000 |
| Noninterest income | 242,000 | 644,000 | 863,000 | 1,110,000 |
| Noninterest expense | 1,226,000 | 2,397,000 | 3,688,000 | 4,794,000 |
| Provision for loan losses | 60,000 | 120,000 | 181,000 | 341,000 |
| Pretax income | 412,000 | 838,000 | 1,174,000 | 1,289,000 |
| Income tax | 107,000 | 222,000 | 295,000 | 311,000 |
| Net income | 305,000 | 616,000 | 879,000 | 978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,402,000 | 18,168,000 | 18,315,000 | 17,209,000 |
| Total capital | 19,736,000 | 19,562,000 | 19,590,000 | 18,643,000 |
| Risk-weighted assets | 134,513,000 | 135,568,000 | 130,926,000 | 149,895,000 |