Call reports 2019
WILLIAMSTOWN BANK, INC. — 2019
What WILLIAMSTOWN BANK, INC. reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 163,305,000 | 165,947,000 | 166,861,000 | 165,614,000 |
| Total loans | 139,141,000 | 137,268,000 | 138,203,000 | 138,900,000 |
| Allowance for loan losses | 1,765,000 | 1,752,000 | 1,752,000 | 1,696,000 |
| Securities available for sale | 13,900,000 | 14,213,000 | 13,667,000 | 13,195,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,878,000 | 137,307,000 | 137,905,000 | 136,619,000 |
| Interest-bearing deposits | 108,866,000 | 106,913,000 | 106,047,000 | 109,291,000 |
| Noninterest-bearing deposits | 33,012,000 | 30,394,000 | 31,858,000 | 27,328,000 |
| Equity capital | 20,423,000 | 20,680,000 | 20,964,000 | 21,165,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,905,000 | 3,877,000 | 5,848,000 | 7,834,000 |
| Interest expense | 184,000 | 410,000 | 654,000 | 910,000 |
| Net interest income | 1,721,000 | 3,467,000 | 5,194,000 | 6,924,000 |
| Noninterest income | 170,000 | 362,000 | 565,000 | 812,000 |
| Noninterest expense | 1,382,000 | 2,794,000 | 4,155,000 | 5,598,000 |
| Provision for loan losses | 42,000 | 73,000 | 104,000 | 205,000 |
| Pretax income | 527,000 | 1,022,000 | 1,560,000 | 1,993,000 |
| Income tax | 158,000 | 272,000 | 383,000 | 407,000 |
| Net income | 369,000 | 750,000 | 1,177,000 | 1,586,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,367,000 | 20,565,000 | 20,810,000 | 21,029,000 |
| Total capital | 21,879,000 | 22,072,000 | 22,350,000 | 22,558,000 |
| Risk-weighted assets | 120,736,000 | 120,320,000 | 123,049,000 | 122,189,000 |