Call reports 2012
WILLIAMSTOWN BANK, INC. — 2012
What WILLIAMSTOWN BANK, INC. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 140,243,000 | 141,033,000 | 141,600,000 | 145,805,000 |
| Total loans | 102,572,000 | 103,370,000 | 104,493,000 | 108,314,000 |
| Allowance for loan losses | 1,190,000 | 1,240,000 | 1,209,000 | 1,227,000 |
| Securities available for sale | 12,171,000 | 12,729,000 | 13,091,000 | 14,427,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,560,000 | 126,170,000 | 126,422,000 | 130,474,000 |
| Interest-bearing deposits | 109,311,000 | 110,774,000 | 110,390,000 | 113,795,000 |
| Noninterest-bearing deposits | 16,249,000 | 15,396,000 | 16,032,000 | 16,679,000 |
| Equity capital | 13,928,000 | 14,289,000 | 14,563,000 | 14,899,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,650,000 | 3,322,000 | 5,014,000 | 6,715,000 |
| Interest expense | 329,000 | 608,000 | 875,000 | 1,127,000 |
| Net interest income | 1,321,000 | 2,714,000 | 4,139,000 | 5,588,000 |
| Noninterest income | 193,000 | 393,000 | 612,000 | 828,000 |
| Noninterest expense | 916,000 | 1,849,000 | 2,828,000 | 3,797,000 |
| Provision for loan losses | 64,000 | 128,000 | 206,000 | 270,000 |
| Pretax income | 534,000 | 1,130,000 | 1,717,000 | 2,349,000 |
| Income tax | 171,000 | 342,000 | 542,000 | 727,000 |
| Net income | 363,000 | 788,000 | 1,175,000 | 1,622,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,912,000 | 14,216,000 | 14,484,000 | 14,811,000 |
| Total capital | 15,015,000 | 15,327,000 | 15,627,000 | 16,011,000 |
| Risk-weighted assets | 88,168,000 | 88,762,000 | 91,345,000 | 95,934,000 |