Call reports 2021
WILLIAMSTOWN BANK, INC. — 2021
What WILLIAMSTOWN BANK, INC. reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 190,566,000 | 189,145,000 | 202,676,000 | 201,057,000 |
| Total loans | 131,980,000 | 134,286,000 | 135,821,000 | 139,339,000 |
| Allowance for loan losses | 1,925,000 | 1,965,000 | 1,899,000 | 1,898,000 |
| Securities available for sale | 13,566,000 | 13,560,000 | 14,244,000 | 14,164,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,429,000 | 166,616,000 | 179,996,000 | 178,516,000 |
| Interest-bearing deposits | 122,355,000 | 125,835,000 | 137,080,000 | 136,866,000 |
| Noninterest-bearing deposits | 39,074,000 | 40,781,000 | 42,916,000 | 41,650,000 |
| Equity capital | 21,236,000 | 21,520,000 | 21,612,000 | 21,624,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,732,000 | 3,471,000 | 5,256,000 | 7,063,000 |
| Interest expense | 206,000 | 363,000 | 523,000 | 673,000 |
| Net interest income | 1,526,000 | 3,108,000 | 4,733,000 | 6,390,000 |
| Noninterest income | 194,000 | 600,000 | 837,000 | 1,060,000 |
| Noninterest expense | 1,515,000 | 3,082,000 | 4,673,000 | 6,278,000 |
| Provision for loan losses | 26,000 | 56,000 | -13,000 | 3,000 |
| Pretax income | 179,000 | 690,000 | 1,031,000 | 1,290,000 |
| Income tax | 22,000 | 85,000 | 136,000 | 156,000 |
| Net income | 157,000 | 605,000 | 895,000 | 1,134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,000,000 | 21,265,000 | 21,373,000 | 21,429,000 |