Call reports 2013
WILLIAMSTOWN BANK, INC. — 2013
What WILLIAMSTOWN BANK, INC. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 147,610,000 | 145,751,000 | 145,095,000 | 144,878,000 |
| Total loans | 111,016,000 | 112,258,000 | 111,842,000 | 115,462,000 |
| Allowance for loan losses | 1,250,000 | 1,245,000 | 1,272,000 | 1,295,000 |
| Securities available for sale | 14,780,000 | 14,556,000 | 14,488,000 | 13,325,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,704,000 | 129,765,000 | 128,725,000 | 128,476,000 |
| Interest-bearing deposits | 112,954,000 | 110,982,000 | 109,584,000 | 108,646,000 |
| Noninterest-bearing deposits | 18,750,000 | 18,783,000 | 19,141,000 | 19,830,000 |
| Equity capital | 15,211,000 | 15,403,000 | 15,672,000 | 15,831,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,690,000 | 3,412,000 | 5,154,000 | 6,801,000 |
| Interest expense | 218,000 | 429,000 | 635,000 | 833,000 |
| Net interest income | 1,472,000 | 2,983,000 | 4,519,000 | 5,968,000 |
| Noninterest income | 187,000 | 376,000 | 577,000 | 782,000 |
| Noninterest expense | 988,000 | 1,828,000 | 2,842,000 | 3,874,000 |
| Provision for loan losses | 53,000 | 136,000 | 199,000 | 262,000 |
| Pretax income | 618,000 | 1,260,000 | 1,920,000 | 2,479,000 |
| Income tax | 188,000 | 407,000 | 637,000 | 846,000 |
| Net income | 430,000 | 853,000 | 1,283,000 | 1,633,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,121,000 | 15,424,000 | 15,671,000 | 15,838,000 |
| Total capital | 16,331,000 | 16,649,000 | 16,915,000 | 17,133,000 |
| Risk-weighted assets | 96,755,000 | 97,986,000 | 99,485,000 | 104,937,000 |