Call reports 2025
WILLIAMSTOWN BANK, INC. — 2025
What WILLIAMSTOWN BANK, INC. reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 226,514,000 | 227,923,000 | 226,963,000 | 228,460,000 |
| Total loans | 180,342,000 | 183,394,000 | 187,333,000 | 187,183,000 |
| Allowance for loan losses | 1,498,000 | 1,501,000 | 1,519,000 | 1,379,000 |
| Securities available for sale | 18,772,000 | 18,500,000 | 18,605,000 | 16,438,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,627,000 | 202,798,000 | 202,189,000 | 204,305,000 |
| Interest-bearing deposits | 155,586,000 | 156,678,000 | 155,909,000 | 160,043,000 |
| Noninterest-bearing deposits | 46,041,000 | 46,120,000 | 46,280,000 | 44,262,000 |
| Equity capital | 22,457,000 | 22,645,000 | 23,055,000 | 23,388,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,816,000 | 5,733,000 | 8,740,000 | 11,797,000 |
| Interest expense | 856,000 | 1,695,000 | 2,522,000 | 3,329,000 |
| Net interest income | 1,960,000 | 4,038,000 | 6,218,000 | 8,468,000 |
| Noninterest income | 233,000 | 498,000 | 794,000 | 1,065,000 |
| Noninterest expense | 1,810,000 | 3,712,000 | 5,644,000 | 7,548,000 |
| Provision for loan losses | 27,000 | 66,000 | 125,000 | 172,000 |
| Pretax income | 356,000 | 758,000 | 1,243,000 | 1,813,000 |
| Income tax | 45,000 | 107,000 | 205,000 | 333,000 |
| Net income | 311,000 | 651,000 | 1,038,000 | 1,480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,150,000 | 23,307,000 | 23,511,000 | 23,765,000 |