Call reports 2007
WILLIAMSVILLE STATE BANK AND TRUST — 2007
What WILLIAMSVILLE STATE BANK AND TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 105,304,000 | 102,834,000 | 101,104,000 | 101,827,000 |
| Total loans | 54,361,000 | 53,634,000 | 53,857,000 | 52,304,000 |
| Allowance for loan losses | 642,000 | 647,000 | 184,000 | 637,000 |
| Securities available for sale | 42,629,000 | 40,129,000 | 39,102,000 | 40,170,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,600,000 | 89,514,000 | 88,130,000 | 89,116,000 |
| Interest-bearing deposits | 81,575,000 | 79,755,000 | 78,766,000 | 78,886,000 |
| Noninterest-bearing deposits | 10,025,000 | 9,759,000 | 9,364,000 | 10,230,000 |
| Equity capital | 11,276,000 | 10,953,000 | 11,555,000 | 11,323,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,393,000 | 2,826,000 | 4,228,000 | 5,602,000 |
| Interest expense | 756,000 | 1,520,000 | 2,281,000 | 3,015,000 |
| Net interest income | 637,000 | 1,306,000 | 1,947,000 | 2,587,000 |
| Noninterest income | 107,000 | 225,000 | 329,000 | 458,000 |
| Noninterest expense | 709,000 | 1,495,000 | 2,178,000 | 3,358,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -9,000 | -8,000 | 52,000 | -365,000 |
| Income tax | -44,000 | -71,000 | -291,000 | -279,000 |
| Net income | 35,000 | 63,000 | 343,000 | -86,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,584,000 | 11,538,000 | 11,810,000 | 11,301,000 |
| Total capital | 12,226,000 | 12,185,000 | 11,994,000 | 11,938,000 |
| Risk-weighted assets | 52,905,000 | 52,760,000 | 52,110,000 | 54,259,000 |