Call reports 2024
WILLIAMSTOWN BANK, INC. — 2024
What WILLIAMSTOWN BANK, INC. reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 227,964,000 | 226,620,000 | 227,118,000 | 224,579,000 |
| Total loans | 179,465,000 | 182,537,000 | 183,424,000 | 182,461,000 |
| Allowance for loan losses | 1,643,000 | 1,611,000 | 1,588,000 | 1,481,000 |
| Securities available for sale | 21,703,000 | 21,043,000 | 21,051,000 | 19,315,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,705,000 | 200,733,000 | 198,197,000 | 198,909,000 |
| Interest-bearing deposits | 156,705,000 | 156,292,000 | 153,567,000 | 154,558,000 |
| Noninterest-bearing deposits | 44,000,000 | 44,441,000 | 44,630,000 | 44,351,000 |
| Equity capital | 21,925,000 | 21,995,000 | 22,389,000 | 22,231,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 2,774,000 | 5,544,000 | 8,346,000 | 11,221,000 |
| Interest expense | 883,000 | 1,786,000 | 2,743,000 | 3,719,000 |
| Net interest income | 1,891,000 | 3,758,000 | 5,603,000 | 7,502,000 |
| Noninterest income | 349,000 | 598,000 | 862,000 | 1,121,000 |
| Noninterest expense | 2,040,000 | 3,927,000 | 5,779,000 | 7,611,000 |
| Provision for loan losses | -62,000 | -59,000 | -46,000 | -22,000 |
| Pretax income | 262,000 | 488,000 | 732,000 | 1,034,000 |
| Income tax | 62,000 | 22,000 | 32,000 | 64,000 |
| Net income | 200,000 | 466,000 | 700,000 | 970,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,798,000 | 22,882,000 | 22,933,000 | 23,021,000 |