Call reports 2009
WILLIAMSVILLE STATE BANK AND TRUST — 2009
What WILLIAMSVILLE STATE BANK AND TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 103,695,000 | 106,911,000 | 107,014,000 | 104,577,000 |
| Total loans | 50,343,000 | 50,901,000 | 50,730,000 | 48,849,000 |
| Allowance for loan losses | 405,000 | 462,000 | 442,000 | 564,000 |
| Securities available for sale | 42,213,000 | 46,778,000 | 41,883,000 | 46,165,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,270,000 | 93,679,000 | 93,328,000 | 91,594,000 |
| Interest-bearing deposits | 78,432,000 | 80,955,000 | 83,207,000 | 80,465,000 |
| Noninterest-bearing deposits | 11,838,000 | 12,724,000 | 10,121,000 | 11,129,000 |
| Equity capital | 11,906,000 | 11,821,000 | 12,144,000 | 11,642,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,272,000 | 2,539,000 | 3,822,000 | 5,065,000 |
| Interest expense | 514,000 | 990,000 | 1,444,000 | 1,868,000 |
| Net interest income | 758,000 | 1,549,000 | 2,378,000 | 3,197,000 |
| Noninterest income | 153,000 | 315,000 | 415,000 | 598,000 |
| Noninterest expense | 727,000 | 1,558,000 | 2,327,000 | 3,282,000 |
| Provision for loan losses | 50,000 | 150,000 | 150,000 | 340,000 |
| Pretax income | 134,000 | 156,000 | 383,000 | 338,000 |
| Income tax | 42,000 | 9,000 | 87,000 | 38,000 |
| Net income | 92,000 | 147,000 | 296,000 | 300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,538,000 | 11,559,000 | 11,680,000 | 11,573,000 |
| Total capital | 11,943,000 | 12,021,000 | 12,122,000 | 12,137,000 |
| Risk-weighted assets | 53,187,000 | 54,413,000 | 54,262,000 | 52,744,000 |