Call reports 2017
WILLIAMSTOWN BANK, INC. — 2017
What WILLIAMSTOWN BANK, INC. reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 159,651,000 | 157,542,000 | 155,900,000 | 157,454,000 |
| Total loans | 132,276,000 | 131,836,000 | 130,494,000 | 129,773,000 |
| Allowance for loan losses | 1,554,000 | 1,676,000 | 1,724,000 | 1,662,000 |
| Securities available for sale | 11,017,000 | 11,129,000 | 10,750,000 | 11,324,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,156,000 | 133,002,000 | 131,107,000 | 135,050,000 |
| Interest-bearing deposits | 112,722,000 | 110,126,000 | 107,749,000 | 110,420,000 |
| Noninterest-bearing deposits | 22,434,000 | 22,876,000 | 23,358,000 | 24,630,000 |
| Equity capital | 18,600,000 | 18,841,000 | 19,066,000 | 19,212,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,757,000 | 3,577,000 | 5,373,000 | 7,148,000 |
| Interest expense | 160,000 | 330,000 | 498,000 | 666,000 |
| Net interest income | 1,597,000 | 3,247,000 | 4,875,000 | 6,482,000 |
| Noninterest income | 175,000 | 367,000 | 555,000 | 756,000 |
| Noninterest expense | 1,112,000 | 2,309,000 | 3,449,000 | 4,561,000 |
| Provision for loan losses | 88,000 | 166,000 | 244,000 | 322,000 |
| Pretax income | 572,000 | 1,139,000 | 1,737,000 | 2,355,000 |
| Income tax | 196,000 | 383,000 | 580,000 | 815,000 |
| Net income | 376,000 | 756,000 | 1,157,000 | 1,540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,576,000 | 18,773,000 | 18,992,000 | 19,187,000 |
| Total capital | 20,038,000 | 20,242,000 | 20,386,000 | 20,572,000 |
| Risk-weighted assets | 116,940,000 | 117,362,000 | 111,252,000 | 110,575,000 |