Call reports 2005
WILLIAMSTOWN BANK, INC. — 2005
What WILLIAMSTOWN BANK, INC. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 88,448,000 | 91,159,000 | 90,120,000 | 90,070,000 |
| Total loans | 68,233,000 | 68,469,000 | 68,598,000 | 67,914,000 |
| Allowance for loan losses | 764,000 | 813,000 | 796,000 | 778,000 |
| Securities available for sale | 13,731,000 | 13,417,000 | 12,930,000 | 13,148,000 |
| Securities held to maturity | 199,000 | 199,000 | 198,000 | 197,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,083,000 | 80,507,000 | 79,298,000 | 79,345,000 |
| Interest-bearing deposits | 64,852,000 | 66,818,000 | 66,481,000 | 66,303,000 |
| Noninterest-bearing deposits | 13,231,000 | 13,689,000 | 12,817,000 | 13,042,000 |
| Equity capital | 9,894,000 | 10,164,000 | 10,340,000 | 10,382,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,337,000 | 2,740,000 | 4,181,000 | 5,619,000 |
| Interest expense | 320,000 | 651,000 | 1,002,000 | 1,372,000 |
| Net interest income | 1,017,000 | 2,089,000 | 3,179,000 | 4,247,000 |
| Noninterest income | 124,000 | 256,000 | 385,000 | 549,000 |
| Noninterest expense | 720,000 | 1,489,000 | 2,240,000 | 3,080,000 |
| Provision for loan losses | 47,000 | 107,000 | 167,000 | 227,000 |
| Pretax income | 378,000 | 754,000 | 1,162,000 | 1,494,000 |
| Income tax | 107,000 | 210,000 | 319,000 | 420,000 |
| Net income | 271,000 | 544,000 | 843,000 | 1,074,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,802,000 | 10,016,000 | 10,191,000 | 10,322,000 |
| Total capital | 10,566,000 | 10,829,000 | 10,987,000 | 11,100,000 |
| Risk-weighted assets | 70,581,000 | 71,575,000 | 71,060,000 | 70,540,000 |