Call reports 2014
WILLIAMSTOWN BANK, INC. — 2014
What WILLIAMSTOWN BANK, INC. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 147,437,000 | 149,307,000 | 148,245,000 | 156,454,000 |
| Total loans | 113,020,000 | 116,717,000 | 117,061,000 | 118,296,000 |
| Allowance for loan losses | 1,349,000 | 1,330,000 | 1,331,000 | 1,400,000 |
| Securities available for sale | 12,800,000 | 11,867,000 | 13,805,000 | 13,854,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,518,000 | 132,421,000 | 131,088,000 | 139,161,000 |
| Interest-bearing deposits | 110,205,000 | 112,397,000 | 111,075,000 | 118,110,000 |
| Noninterest-bearing deposits | 20,313,000 | 20,024,000 | 20,013,000 | 21,051,000 |
| Equity capital | 16,075,000 | 16,280,000 | 16,517,000 | 16,689,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,636,000 | 3,319,000 | 5,061,000 | 6,772,000 |
| Interest expense | 189,000 | 383,000 | 580,000 | 741,000 |
| Net interest income | 1,447,000 | 2,936,000 | 4,481,000 | 6,031,000 |
| Noninterest income | 198,000 | 391,000 | 588,000 | 775,000 |
| Noninterest expense | 1,011,000 | 2,019,000 | 3,030,000 | 4,065,000 |
| Provision for loan losses | 43,000 | 106,000 | 159,000 | 222,000 |
| Pretax income | 614,000 | 1,225,000 | 1,903,000 | 2,542,000 |
| Income tax | 218,000 | 430,000 | 693,000 | 993,000 |
| Net income | 396,000 | 795,000 | 1,210,000 | 1,549,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,051,000 | 16,225,000 | 16,457,000 | 16,614,000 |
| Total capital | 17,345,000 | 17,526,000 | 17,769,000 | 17,911,000 |
| Risk-weighted assets | 103,468,000 | 104,069,000 | 104,910,000 | 103,666,000 |