Call reports 2004
WILLIAMSVILLE STATE BANK AND TRUST — 2004
What WILLIAMSVILLE STATE BANK AND TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 94,328,000 | 100,345,000 | 103,112,000 | 98,586,000 |
| Total loans | 60,064,000 | 61,056,000 | 62,640,000 | 62,191,000 |
| Allowance for loan losses | 602,000 | 598,000 | 595,000 | 567,000 |
| Securities available for sale | 28,904,000 | 32,538,000 | 33,506,000 | 32,786,000 |
| Securities held to maturity | 125,000 | 125,000 | 125,000 | 125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,065,000 | 85,480,000 | 86,634,000 | 83,280,000 |
| Interest-bearing deposits | 68,212,000 | 74,609,000 | 76,532,000 | 74,649,000 |
| Noninterest-bearing deposits | 10,853,000 | 10,871,000 | 10,102,000 | 8,631,000 |
| Equity capital | 6,903,000 | 6,600,000 | 7,172,000 | 7,216,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,147,000 | 2,349,000 | 3,571,000 | 4,801,000 |
| Interest expense | 459,000 | 952,000 | 1,494,000 | 2,035,000 |
| Net interest income | 688,000 | 1,397,000 | 2,077,000 | 2,766,000 |
| Noninterest income | 122,000 | 232,000 | 353,000 | 462,000 |
| Noninterest expense | 530,000 | 1,067,000 | 1,783,000 | 2,368,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 285,000 | 549,000 | 631,000 | 827,000 |
| Income tax | 75,000 | 138,000 | 75,000 | 94,000 |
| Net income | 210,000 | 411,000 | 556,000 | 733,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,731,000 | 6,932,000 | 7,071,000 | 7,216,000 |
| Total capital | 7,333,000 | 7,530,000 | 7,666,000 | 7,783,000 |
| Risk-weighted assets | 49,903,000 | 52,360,000 | 54,457,000 | 53,494,000 |