Call reports 2010
WILLIAMSTOWN BANK, INC. — 2010
What WILLIAMSTOWN BANK, INC. 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 | 117,706,000 | 118,351,000 | 119,397,000 | 124,885,000 |
| Total loans | 88,920,000 | 94,044,000 | 95,344,000 | 95,151,000 |
| Allowance for loan losses | 845,000 | 916,000 | 1,048,000 | 1,081,000 |
| Securities available for sale | 13,400,000 | 12,967,000 | 12,923,000 | 12,930,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,300,000 | 105,084,000 | 106,159,000 | 111,788,000 |
| Interest-bearing deposits | 91,078,000 | 90,236,000 | 91,374,000 | 96,445,000 |
| Noninterest-bearing deposits | 14,222,000 | 14,848,000 | 14,785,000 | 15,343,000 |
| Equity capital | 11,919,000 | 12,189,000 | 12,529,000 | 12,448,000 |
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 | 1,613,000 | 3,290,000 | 5,009,000 | 6,707,000 |
| Interest expense | 487,000 | 940,000 | 1,361,000 | 1,792,000 |
| Net interest income | 1,126,000 | 2,350,000 | 3,648,000 | 4,915,000 |
| Noninterest income | 181,000 | 383,000 | 598,000 | 820,000 |
| Noninterest expense | 885,000 | 1,791,000 | 2,739,000 | 3,776,000 |
| Provision for loan losses | 64,000 | 153,000 | 293,000 | 357,000 |
| Pretax income | 365,000 | 802,000 | 1,227,000 | 1,615,000 |
| Income tax | 93,000 | 199,000 | 288,000 | 417,000 |
| Net income | 272,000 | 603,000 | 939,000 | 1,198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,149,000 | 12,360,000 | 12,576,000 | 12,715,000 |
| Total capital | 12,994,000 | 13,276,000 | 13,624,000 | 13,796,000 |
| Risk-weighted assets | 88,101,000 | 87,498,000 | 89,735,000 | 89,689,000 |