Call reports 2011
WILLIAMSTOWN SAVINGS BANK — 2011
What WILLIAMSTOWN SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 229,737,000 | 229,099,000 | 218,119,000 | 218,788,000 |
| Total loans | 116,475,000 | 116,016,000 | 117,444,000 | 113,841,000 |
| Allowance for loan losses | 1,218,000 | 1,139,000 | 1,154,000 | 1,279,000 |
| Securities available for sale | 80,349,000 | 80,450,000 | 59,109,000 | 58,036,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,997,000 | 148,132,000 | 146,668,000 | 150,089,000 |
| Interest-bearing deposits | 139,835,000 | 132,135,000 | 128,861,000 | 134,298,000 |
| Noninterest-bearing deposits | 15,162,000 | 15,997,000 | 17,807,000 | 15,791,000 |
| Equity capital | 17,197,000 | 17,416,000 | 17,309,000 | 15,184,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,910,000 | 3,852,000 | 5,631,000 | 7,159,000 |
| Interest expense | 771,000 | 1,518,000 | 2,252,000 | 2,954,000 |
| Net interest income | 1,139,000 | 2,334,000 | 3,379,000 | 4,205,000 |
| Noninterest income | 140,000 | 381,000 | 551,000 | 763,000 |
| Noninterest expense | 1,220,000 | 2,486,000 | 3,701,000 | 5,161,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 2,836,000 |
| Pretax income | 108,000 | 9,000 | -162,000 | -4,046,000 |
| Income tax | 13,000 | -52,000 | -142,000 | -1,657,000 |
| Net income | 95,000 | 61,000 | -20,000 | -2,389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,762,000 | 16,715,000 | 16,566,000 | 12,819,000 |
| Total capital | 17,980,000 | 17,855,000 | 17,721,000 | 16,098,000 |
| Risk-weighted assets | 150,206,000 | 158,351,000 | 156,592,000 | 152,351,000 |