Call reports 2002
WILLIAMSVILLE STATE BANK AND TRUST — 2002
What WILLIAMSVILLE STATE BANK AND TRUST reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 76,872,000 | 80,231,000 | 83,217,000 | 84,077,000 |
| Total loans | 44,825,000 | 46,065,000 | 47,286,000 | 47,210,000 |
| Allowance for loan losses | 380,000 | 389,000 | 432,000 | 494,000 |
| Securities available for sale | 25,982,000 | 27,360,000 | 30,316,000 | 31,036,000 |
| Securities held to maturity | 125,000 | 125,000 | 125,000 | 125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,503,000 | 68,314,000 | 70,759,000 | 71,510,000 |
| Interest-bearing deposits | 58,620,000 | 60,874,000 | 62,589,000 | 62,805,000 |
| Noninterest-bearing deposits | 6,883,000 | 7,440,000 | 8,170,000 | 8,705,000 |
| Equity capital | 5,299,000 | 5,733,000 | 6,071,000 | 6,154,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,150,000 | 2,379,000 | 3,616,000 | 4,848,000 |
| Interest expense | 622,000 | 1,251,000 | 1,871,000 | 2,439,000 |
| Net interest income | 528,000 | 1,128,000 | 1,745,000 | 2,409,000 |
| Noninterest income | 94,000 | 188,000 | 345,000 | 597,000 |
| Noninterest expense | 506,000 | 1,037,000 | 1,589,000 | 2,135,000 |
| Provision for loan losses | 50,000 | 120,000 | 295,000 | 445,000 |
| Pretax income | 107,000 | 278,000 | 362,000 | 638,000 |
| Income tax | 1,000 | 9,000 | 24,000 | 113,000 |
| Net income | 106,000 | 269,000 | 338,000 | 525,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,394,000 | 5,557,000 | 5,626,000 | 5,753,000 |
| Total capital | 5,774,000 | 5,946,000 | 6,058,000 | 6,247,000 |
| Risk-weighted assets | 42,563,000 | 44,392,000 | 45,131,000 | 44,980,000 |