Call reports 2022
WILLIAMSTOWN BANK, INC. — 2022
What WILLIAMSTOWN BANK, INC. reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 203,863,000 | 204,439,000 | 205,145,000 | 210,766,000 |
| Total loans | 140,168,000 | 146,627,000 | 161,564,000 | 166,518,000 |
| Allowance for loan losses | 1,882,000 | 1,891,000 | 1,900,000 | 1,816,000 |
| Securities available for sale | 19,752,000 | 24,981,000 | 23,231,000 | 23,451,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,868,000 | 182,937,000 | 184,149,000 | 185,294,000 |
| Interest-bearing deposits | 136,114,000 | 134,901,000 | 136,614,000 | 137,822,000 |
| Noninterest-bearing deposits | 45,754,000 | 48,036,000 | 47,535,000 | 47,472,000 |
| Equity capital | 21,043,000 | 20,614,000 | 20,138,000 | 20,873,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,785,000 | 3,684,000 | 5,836,000 | 8,043,000 |
| Interest expense | 145,000 | 285,000 | 436,000 | 661,000 |
| Net interest income | 1,640,000 | 3,399,000 | 5,400,000 | 7,382,000 |
| Noninterest income | 197,000 | 411,000 | 638,000 | 867,000 |
| Noninterest expense | 1,690,000 | 3,369,000 | 5,144,000 | 6,793,000 |
| Provision for loan losses | -33,000 | -123,000 | -122,000 | -103,000 |
| Pretax income | 180,000 | 564,000 | 1,016,000 | 1,559,000 |
| Income tax | 47,000 | 109,000 | 178,000 | 258,000 |
| Net income | 133,000 | 455,000 | 838,000 | 1,301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,380,000 | 21,519,000 | 21,719,000 | 21,999,000 |