Call reports 2016
WILLIAMSTOWN BANK, INC. — 2016
What WILLIAMSTOWN BANK, INC. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 150,254,000 | 151,471,000 | 154,776,000 | 153,547,000 |
| Total loans | 124,736,000 | 128,562,000 | 130,334,000 | 130,954,000 |
| Allowance for loan losses | 1,612,000 | 1,627,000 | 1,644,000 | 1,518,000 |
| Securities available for sale | 12,983,000 | 12,608,000 | 11,505,000 | 11,684,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,651,000 | 132,829,000 | 135,893,000 | 134,554,000 |
| Interest-bearing deposits | 107,988,000 | 110,267,000 | 113,180,000 | 111,900,000 |
| Noninterest-bearing deposits | 23,663,000 | 22,562,000 | 22,713,000 | 22,654,000 |
| Equity capital | 17,786,000 | 18,026,000 | 18,247,000 | 18,370,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,685,000 | 3,381,000 | 5,153,000 | 6,938,000 |
| Interest expense | 152,000 | 303,000 | 464,000 | 626,000 |
| Net interest income | 1,533,000 | 3,078,000 | 4,689,000 | 6,312,000 |
| Noninterest income | 185,000 | 387,000 | 591,000 | 788,000 |
| Noninterest expense | 1,072,000 | 2,169,000 | 3,265,000 | 4,386,000 |
| Provision for loan losses | 63,000 | 126,000 | 189,000 | 262,000 |
| Pretax income | 583,000 | 1,170,000 | 1,826,000 | 2,452,000 |
| Income tax | 226,000 | 432,000 | 655,000 | 839,000 |
| Net income | 357,000 | 738,000 | 1,171,000 | 1,613,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,672,000 | 17,871,000 | 18,121,000 | 18,381,000 |
| Total capital | 19,047,000 | 19,284,000 | 19,539,000 | 19,821,000 |
| Risk-weighted assets | 109,808,000 | 112,895,000 | 113,286,000 | 115,176,000 |