Call reports 2010
WILLIAMSVILLE STATE BANK AND TRUST — 2010
What WILLIAMSVILLE STATE BANK AND TRUST reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 108,854,000 | 113,264,000 | 113,123,000 | 110,277,000 |
| Total loans | 48,142,000 | 46,892,000 | 49,547,000 | 48,149,000 |
| Allowance for loan losses | 523,000 | 550,000 | 526,000 | 573,000 |
| Securities available for sale | 52,552,000 | 52,378,000 | 53,577,000 | 51,564,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,381,000 | 99,401,000 | 99,124,000 | 97,005,000 |
| Interest-bearing deposits | 83,464,000 | 87,338,000 | 85,574,000 | 84,331,000 |
| Noninterest-bearing deposits | 11,917,000 | 12,063,000 | 13,550,000 | 12,674,000 |
| Equity capital | 11,996,000 | 12,238,000 | 12,318,000 | 11,822,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,218,000 | 2,428,000 | 3,620,000 | 4,730,000 |
| Interest expense | 390,000 | 767,000 | 1,134,000 | 1,482,000 |
| Net interest income | 828,000 | 1,661,000 | 2,486,000 | 3,248,000 |
| Noninterest income | 99,000 | 228,000 | 370,000 | 478,000 |
| Noninterest expense | 755,000 | 1,533,000 | 2,311,000 | 3,261,000 |
| Provision for loan losses | 25,000 | 60,000 | 80,000 | 140,000 |
| Pretax income | 213,000 | 467,000 | 636,000 | 527,000 |
| Income tax | 75,000 | 193,000 | 246,000 | 194,000 |
| Net income | 138,000 | 274,000 | 390,000 | 333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,691,000 | 11,804,000 | 11,892,000 | 11,809,000 |
| Total capital | 12,214,000 | 12,354,000 | 12,418,000 | 12,382,000 |
| Risk-weighted assets | 51,845,000 | 51,213,000 | 51,396,000 | 50,207,000 |