Call reports 2011
WILLIAMSTOWN BANK, INC. — 2011
What WILLIAMSTOWN BANK, INC. 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 | 130,657,000 | 132,349,000 | 131,577,000 | 133,082,000 |
| Total loans | 95,260,000 | 97,204,000 | 97,463,000 | 100,304,000 |
| Allowance for loan losses | 1,116,000 | 1,150,000 | 1,258,000 | 1,149,000 |
| Securities available for sale | 12,150,000 | 11,962,000 | 12,543,000 | 12,193,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,178,000 | 118,446,000 | 117,428,000 | 118,824,000 |
| Interest-bearing deposits | 101,034,000 | 104,186,000 | 102,842,000 | 104,303,000 |
| Noninterest-bearing deposits | 16,144,000 | 14,260,000 | 14,586,000 | 14,521,000 |
| Equity capital | 12,753,000 | 13,110,000 | 13,436,000 | 13,670,000 |
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 | 1,627,000 | 3,295,000 | 4,978,000 | 6,662,000 |
| Interest expense | 433,000 | 786,000 | 1,123,000 | 1,449,000 |
| Net interest income | 1,194,000 | 2,509,000 | 3,855,000 | 5,213,000 |
| Noninterest income | 194,000 | 401,000 | 614,000 | 816,000 |
| Noninterest expense | 860,000 | 1,797,000 | 2,722,000 | 3,615,000 |
| Provision for loan losses | 64,000 | 128,000 | 242,000 | 306,000 |
| Pretax income | 464,000 | 985,000 | 1,505,000 | 2,108,000 |
| Income tax | 135,000 | 301,000 | 443,000 | 674,000 |
| Net income | 329,000 | 684,000 | 1,062,000 | 1,434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,924,000 | 13,159,000 | 13,418,000 | 13,669,000 |
| Total capital | 14,040,000 | 14,281,000 | 14,527,000 | 14,818,000 |
| Risk-weighted assets | 90,686,000 | 89,734,000 | 88,585,000 | 92,659,000 |