Call reports 2018
WILLIAMSTOWN BANK, INC. — 2018
What WILLIAMSTOWN BANK, INC. reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 161,903,000 | 161,438,000 | 162,176,000 | 162,223,000 |
| Total loans | 128,479,000 | 131,854,000 | 133,946,000 | 136,359,000 |
| Allowance for loan losses | 1,715,000 | 1,782,000 | 1,716,000 | 1,724,000 |
| Securities available for sale | 12,149,000 | 14,098,000 | 14,154,000 | 13,830,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,652,000 | 141,148,000 | 141,633,000 | 141,289,000 |
| Interest-bearing deposits | 112,950,000 | 110,857,000 | 109,534,000 | 108,193,000 |
| Noninterest-bearing deposits | 28,702,000 | 30,291,000 | 32,099,000 | 33,096,000 |
| Equity capital | 19,314,000 | 19,525,000 | 19,686,000 | 20,140,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,738,000 | 3,572,000 | 5,452,000 | 7,373,000 |
| Interest expense | 175,000 | 351,000 | 523,000 | 702,000 |
| Net interest income | 1,563,000 | 3,221,000 | 4,929,000 | 6,671,000 |
| Noninterest income | 168,000 | 358,000 | 548,000 | 747,000 |
| Noninterest expense | 1,159,000 | 2,389,000 | 3,663,000 | 4,977,000 |
| Provision for loan losses | 52,000 | 130,000 | 177,000 | 203,000 |
| Pretax income | 520,000 | 1,060,000 | 1,637,000 | 2,238,000 |
| Income tax | 184,000 | 296,000 | 434,000 | 515,000 |
| Net income | 336,000 | 764,000 | 1,203,000 | 1,723,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,340,000 | 19,587,000 | 19,843,000 | 20,180,000 |
| Total capital | 20,714,000 | 21,012,000 | 21,293,000 | 21,662,000 |
| Risk-weighted assets | 109,648,000 | 113,655,000 | 115,800,000 | 118,361,000 |