Call reports 2010
WILLIAMSTOWN SAVINGS BANK — 2010
What WILLIAMSTOWN SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 221,907,000 | 229,031,000 | 223,790,000 | 227,593,000 |
| Total loans | 114,396,000 | 115,870,000 | 115,599,000 | 117,767,000 |
| Allowance for loan losses | 1,419,000 | 1,395,000 | 1,424,000 | 1,204,000 |
| Securities available for sale | 88,708,000 | 85,552,000 | 77,422,000 | 77,421,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,871,000 | 153,249,000 | 149,684,000 | 151,448,000 |
| Interest-bearing deposits | 133,228,000 | 138,400,000 | 134,274,000 | 135,012,000 |
| Noninterest-bearing deposits | 14,643,000 | 14,849,000 | 15,410,000 | 16,436,000 |
| Equity capital | 17,340,000 | 17,404,000 | 18,091,000 | 17,138,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,254,000 | 4,388,000 | 6,440,000 | 8,363,000 |
| Interest expense | 946,000 | 1,900,000 | 2,775,000 | 3,606,000 |
| Net interest income | 1,308,000 | 2,488,000 | 3,665,000 | 4,757,000 |
| Noninterest income | 162,000 | 301,000 | 542,000 | 824,000 |
| Noninterest expense | 1,203,000 | 2,461,000 | 3,719,000 | 4,912,000 |
| Provision for loan losses | 30,000 | 60,000 | 91,000 | 121,000 |
| Pretax income | 359,000 | 389,000 | 437,000 | 215,000 |
| Income tax | 95,000 | 69,000 | 49,000 | -72,000 |
| Net income | 264,000 | 320,000 | 388,000 | 287,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,589,000 | 17,351,000 | 17,319,000 | 16,986,000 |
| Total capital | 19,027,000 | 18,746,000 | 18,742,000 | 18,190,000 |
| Risk-weighted assets | 146,121,000 | 149,863,000 | 150,170,000 | 148,252,000 |