Call reports 2023
WILLIAMSTOWN BANK, INC. — 2023
What WILLIAMSTOWN BANK, INC. reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 217,622,000 | 222,812,000 | 225,562,000 | 224,955,000 |
| Total loans | 171,323,000 | 176,461,000 | 178,944,000 | 180,226,000 |
| Allowance for loan losses | 1,817,000 | 1,800,000 | 1,784,000 | 1,748,000 |
| Securities available for sale | 23,217,000 | 22,220,000 | 21,294,000 | 22,076,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,793,000 | 190,898,000 | 194,411,000 | 192,390,000 |
| Interest-bearing deposits | 140,524,000 | 144,021,000 | 145,749,000 | 147,605,000 |
| Noninterest-bearing deposits | 46,269,000 | 46,877,000 | 48,662,000 | 44,785,000 |
| Equity capital | 21,383,000 | 21,536,000 | 21,129,000 | 22,037,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,267,000 | 4,702,000 | 7,266,000 | 9,918,000 |
| Interest expense | 355,000 | 819,000 | 1,430,000 | 2,151,000 |
| Net interest income | 1,912,000 | 3,883,000 | 5,836,000 | 7,767,000 |
| Noninterest income | 519,000 | 1,050,000 | 1,284,000 | 1,594,000 |
| Noninterest expense | 1,803,000 | 3,672,000 | 5,554,000 | 7,477,000 |
| Provision for loan losses | 2,000 | 3,000 | 5,000 | -17,000 |
| Pretax income | 626,000 | 1,258,000 | 1,561,000 | 1,901,000 |
| Income tax | 81,000 | 282,000 | 326,000 | 329,000 |
| Net income | 545,000 | 976,000 | 1,235,000 | 1,572,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,302,000 | 22,550,000 | 22,626,000 | 22,781,000 |