Call reports 2001
WILLIAMSTOWN BANK, INC. — 2001
What WILLIAMSTOWN BANK, INC. reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 81,771,000 | 81,102,000 | 82,167,000 | 83,533,000 |
| Total loans | 58,406,000 | 57,794,000 | 57,359,000 | 56,009,000 |
| Allowance for loan losses | 532,000 | 575,000 | 513,000 | 532,000 |
| Securities available for sale | 9,702,000 | 11,345,000 | 11,445,000 | 13,562,000 |
| Securities held to maturity | 2,044,000 | 2,042,000 | 2,041,000 | 1,540,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,510,000 | 72,781,000 | 73,590,000 | 75,179,000 |
| Interest-bearing deposits | 63,379,000 | 63,878,000 | 64,343,000 | 64,956,000 |
| Noninterest-bearing deposits | 10,131,000 | 8,903,000 | 9,247,000 | 10,223,000 |
| Equity capital | 7,870,000 | 7,911,000 | 8,140,000 | 8,046,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,591,000 | 3,183,000 | 4,792,000 | 6,362,000 |
| Interest expense | 755,000 | 1,522,000 | 2,278,000 | 2,965,000 |
| Net interest income | 836,000 | 1,661,000 | 2,514,000 | 3,397,000 |
| Noninterest income | 73,000 | 132,000 | 223,000 | 306,000 |
| Noninterest expense | 618,000 | 1,251,000 | 1,877,000 | 2,576,000 |
| Provision for loan losses | 31,000 | 68,000 | 121,000 | 237,000 |
| Pretax income | 260,000 | 474,000 | 739,000 | 914,000 |
| Income tax | 82,000 | 149,000 | 198,000 | 253,000 |
| Net income | 178,000 | 325,000 | 541,000 | 661,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,778,000 | 7,820,000 | 7,952,000 | 7,988,000 |
| Total capital | 8,310,000 | 8,395,000 | 8,465,000 | 8,520,000 |
| Risk-weighted assets | 58,458,000 | 57,944,000 | 58,981,000 | 58,099,000 |