Call reports 2001
WILLIAMSVILLE STATE BANK AND TRUST — 2001
What WILLIAMSVILLE STATE BANK AND TRUST reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 72,543,000 | 70,901,000 | 73,273,000 | 71,764,000 |
| Total loans | 47,554,000 | 45,693,000 | 45,266,000 | 47,987,000 |
| Allowance for loan losses | 329,000 | 396,000 | 396,000 | 345,000 |
| Securities available for sale | 16,871,000 | 18,599,000 | 20,354,000 | 19,232,000 |
| Securities held to maturity | 126,000 | 126,000 | 126,000 | 126,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,285,000 | 56,645,000 | 58,033,000 | 59,053,000 |
| Interest-bearing deposits | 51,552,000 | 49,965,000 | 51,638,000 | 51,209,000 |
| Noninterest-bearing deposits | 6,733,000 | 6,680,000 | 6,395,000 | 7,844,000 |
| Equity capital | 5,074,000 | 5,084,000 | 5,445,000 | 5,408,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,319,000 | 2,585,000 | 3,868,000 | 5,098,000 |
| Interest expense | 828,000 | 1,603,000 | 2,331,000 | 2,973,000 |
| Net interest income | 491,000 | 982,000 | 1,537,000 | 2,125,000 |
| Noninterest income | 83,000 | 178,000 | 268,000 | 395,000 |
| Noninterest expense | 452,000 | 865,000 | 1,349,000 | 1,878,000 |
| Provision for loan losses | 45,000 | 155,000 | 155,000 | 155,000 |
| Pretax income | 77,000 | 143,000 | 304,000 | 490,000 |
| Income tax | 14,000 | 17,000 | 32,000 | 70,000 |
| Net income | 63,000 | 126,000 | 272,000 | 420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,971,000 | 5,034,000 | 5,180,000 | 5,288,000 |
| Total capital | 5,300,000 | 5,430,000 | 5,576,000 | 5,633,000 |
| Risk-weighted assets | 43,460,000 | 42,535,000 | 43,342,000 | 43,916,000 |