Call reports 2005
WILLIAMSVILLE STATE BANK AND TRUST — 2005
What WILLIAMSVILLE STATE BANK AND TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 112,254,000 | 111,788,000 | 111,924,000 | 107,833,000 |
| Total loans | 62,675,000 | 61,791,000 | 61,038,000 | 58,843,000 |
| Allowance for loan losses | 560,000 | 586,000 | 561,000 | 644,000 |
| Securities available for sale | 38,824,000 | 41,954,000 | 39,868,000 | 41,721,000 |
| Securities held to maturity | 75,000 | 75,000 | 75,000 | 75,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,351,000 | 96,487,000 | 97,711,000 | 93,597,000 |
| Interest-bearing deposits | 83,942,000 | 86,225,000 | 86,521,000 | 84,838,000 |
| Noninterest-bearing deposits | 13,409,000 | 10,262,000 | 11,190,000 | 8,759,000 |
| Equity capital | 7,086,000 | 10,993,000 | 10,896,000 | 10,869,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,245,000 | 2,575,000 | 3,928,000 | 5,278,000 |
| Interest expense | 572,000 | 1,183,000 | 1,816,000 | 2,487,000 |
| Net interest income | 673,000 | 1,392,000 | 2,112,000 | 2,791,000 |
| Noninterest income | 95,000 | 205,000 | 331,000 | 438,000 |
| Noninterest expense | 605,000 | 1,257,000 | 1,928,000 | 2,597,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 247,000 | 444,000 | 618,000 | 634,000 |
| Income tax | 32,000 | 75,000 | 80,000 | 32,000 |
| Net income | 215,000 | 369,000 | 538,000 | 602,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,408,000 | 11,062,000 | 11,231,000 | 11,295,000 |
| Total capital | 7,968,000 | 11,648,000 | 11,792,000 | 11,939,000 |
| Risk-weighted assets | 56,541,000 | 56,318,000 | 57,162,000 | 55,223,000 |