Call reports 2006
WILLIAMSVILLE STATE BANK AND TRUST — 2006
What WILLIAMSVILLE STATE BANK AND TRUST reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 103,147,000 | 104,889,000 | 102,553,000 | 104,143,000 |
| Total loans | 58,901,000 | 57,882,000 | 56,055,000 | 53,776,000 |
| Allowance for loan losses | 639,000 | 638,000 | 634,000 | 650,000 |
| Securities available for sale | 39,541,000 | 38,208,000 | 37,403,000 | 39,608,000 |
| Securities held to maturity | 20,000 | 20,000 | 20,000 | 20,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,807,000 | 90,754,000 | 88,821,000 | 90,463,000 |
| Interest-bearing deposits | 79,198,000 | 80,653,000 | 79,703,000 | 80,920,000 |
| Noninterest-bearing deposits | 9,609,000 | 10,101,000 | 9,118,000 | 9,543,000 |
| Equity capital | 10,838,000 | 10,747,000 | 11,316,000 | 11,257,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,341,000 | 2,689,000 | 4,052,000 | 5,421,000 |
| Interest expense | 654,000 | 1,322,000 | 2,010,000 | 2,721,000 |
| Net interest income | 687,000 | 1,367,000 | 2,042,000 | 2,700,000 |
| Noninterest income | 104,000 | 242,000 | 369,000 | 489,000 |
| Noninterest expense | 593,000 | 1,252,000 | 1,913,000 | 2,627,000 |
| Provision for loan losses | 0 | 0 | 0 | 35,000 |
| Pretax income | 192,000 | 351,000 | 497,000 | 525,000 |
| Income tax | 34,000 | 53,000 | 61,000 | 28,000 |
| Net income | 158,000 | 298,000 | 436,000 | 497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,454,000 | 11,540,000 | 11,667,000 | 11,644,000 |
| Total capital | 12,093,000 | 12,178,000 | 12,301,000 | 12,294,000 |
| Risk-weighted assets | 54,632,000 | 55,286,000 | 53,489,000 | 52,639,000 |