Call reports 2008
WILLIAMSVILLE STATE BANK AND TRUST — 2008
What WILLIAMSVILLE STATE BANK AND TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 102,676,000 | 102,271,000 | 102,136,000 | 102,396,000 |
| Total loans | 49,326,000 | 47,759,000 | 49,695,000 | 50,389,000 |
| Allowance for loan losses | 554,000 | 555,000 | 431,000 | 411,000 |
| Securities available for sale | 41,695,000 | 44,951,000 | 41,752,000 | 41,880,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,694,000 | 89,748,000 | 89,486,000 | 89,187,000 |
| Interest-bearing deposits | 78,826,000 | 79,722,000 | 79,711,000 | 79,060,000 |
| Noninterest-bearing deposits | 10,868,000 | 10,026,000 | 9,775,000 | 10,127,000 |
| Equity capital | 11,562,000 | 11,207,000 | 11,211,000 | 11,714,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,365,000 | 2,745,000 | 4,103,000 | 5,441,000 |
| Interest expense | 695,000 | 1,338,000 | 1,947,000 | 2,537,000 |
| Net interest income | 670,000 | 1,407,000 | 2,156,000 | 2,904,000 |
| Noninterest income | 125,000 | 249,000 | 350,000 | 475,000 |
| Noninterest expense | 682,000 | 1,435,000 | 2,159,000 | 2,967,000 |
| Provision for loan losses | 0 | 0 | -100,000 | -100,000 |
| Pretax income | 151,000 | 259,000 | 485,000 | 648,000 |
| Income tax | 45,000 | 70,000 | 140,000 | 190,000 |
| Net income | 106,000 | 189,000 | 345,000 | 458,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,314,000 | 11,347,000 | 11,447,000 | 11,509,000 |
| Total capital | 11,868,000 | 11,902,000 | 11,878,000 | 11,920,000 |
| Risk-weighted assets | 52,612,000 | 51,713,000 | 53,098,000 | 53,539,000 |