Call reports 2009
WILLIAMSTOWN BANK, INC. — 2009
What WILLIAMSTOWN BANK, INC. 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 | 104,802,000 | 107,062,000 | 110,168,000 | 112,275,000 |
| Total loans | 78,476,000 | 81,030,000 | 82,793,000 | 87,061,000 |
| Allowance for loan losses | 789,000 | 809,000 | 806,000 | 838,000 |
| Securities available for sale | 13,576,000 | 12,396,000 | 13,633,000 | 13,458,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,955,000 | 95,488,000 | 97,949,000 | 99,794,000 |
| Interest-bearing deposits | 78,590,000 | 82,071,000 | 85,206,000 | 85,981,000 |
| Noninterest-bearing deposits | 14,365,000 | 13,417,000 | 12,743,000 | 13,813,000 |
| Equity capital | 11,442,000 | 11,276,000 | 11,746,000 | 11,738,000 |
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 | 1,534,000 | 3,096,000 | 4,700,000 | 6,340,000 |
| Interest expense | 555,000 | 1,090,000 | 1,623,000 | 2,124,000 |
| Net interest income | 979,000 | 2,006,000 | 3,077,000 | 4,216,000 |
| Noninterest income | 179,000 | 357,000 | 554,000 | 745,000 |
| Noninterest expense | 781,000 | 1,612,000 | 2,496,000 | 3,367,000 |
| Provision for loan losses | 53,000 | 129,000 | 192,000 | 344,000 |
| Pretax income | 324,000 | 622,000 | 943,000 | 1,250,000 |
| Income tax | 121,000 | 197,000 | 227,000 | 322,000 |
| Net income | 203,000 | 425,000 | 716,000 | 928,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,602,000 | 11,734,000 | 11,905,000 | 11,997,000 |
| Total capital | 12,391,000 | 12,543,000 | 12,711,000 | 12,835,000 |
| Risk-weighted assets | 81,053,000 | 84,802,000 | 86,953,000 | 91,481,000 |
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