Call reports 2015
WILLIAMSTOWN BANK, INC. — 2015
What WILLIAMSTOWN BANK, INC. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 152,491,000 | 149,068,000 | 146,838,000 | 149,014,000 |
| Total loans | 117,845,000 | 118,337,000 | 121,347,000 | 124,609,000 |
| Allowance for loan losses | 1,448,000 | 1,488,000 | 1,508,000 | 1,568,000 |
| Securities available for sale | 14,550,000 | 14,108,000 | 13,752,000 | 13,329,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,784,000 | 131,415,000 | 128,957,000 | 130,868,000 |
| Interest-bearing deposits | 114,003,000 | 109,981,000 | 107,005,000 | 108,169,000 |
| Noninterest-bearing deposits | 20,781,000 | 21,434,000 | 21,952,000 | 22,699,000 |
| Equity capital | 16,874,000 | 17,022,000 | 17,262,000 | 17,587,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,649,000 | 3,326,000 | 5,029,000 | 6,855,000 |
| Interest expense | 161,000 | 319,000 | 475,000 | 627,000 |
| Net interest income | 1,488,000 | 3,007,000 | 4,554,000 | 6,228,000 |
| Noninterest income | 164,000 | 357,000 | 565,000 | 770,000 |
| Noninterest expense | 1,020,000 | 2,077,000 | 3,174,000 | 4,245,000 |
| Provision for loan losses | 51,000 | 104,000 | 167,000 | 310,000 |
| Pretax income | 581,000 | 1,183,000 | 1,778,000 | 2,443,000 |
| Income tax | 230,000 | 419,000 | 630,000 | 830,000 |
| Net income | 351,000 | 764,000 | 1,148,000 | 1,613,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,783,000 | 17,013,000 | 17,214,000 | 17,497,000 |
| Total capital | 18,098,000 | 18,330,000 | 18,561,000 | 18,884,000 |
| Risk-weighted assets | 105,129,000 | 105,242,000 | 107,614,000 | 110,857,000 |