Call reports 2011
WILLIAMSVILLE STATE BANK AND TRUST — 2011
What WILLIAMSVILLE STATE BANK AND TRUST reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 109,342,000 | 112,117,000 | 115,059,000 | 112,066,000 |
| Total loans | 46,794,000 | 47,658,000 | 49,296,000 | 49,324,000 |
| Allowance for loan losses | 560,000 | 406,000 | 460,000 | 395,000 |
| Securities available for sale | 54,625,000 | 53,471,000 | 53,054,000 | 52,238,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,976,000 | 98,559,000 | 100,732,000 | 97,597,000 |
| Interest-bearing deposits | 82,264,000 | 84,981,000 | 86,438,000 | 82,140,000 |
| Noninterest-bearing deposits | 13,712,000 | 13,578,000 | 14,294,000 | 15,457,000 |
| Equity capital | 11,889,000 | 12,204,000 | 12,750,000 | 12,896,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,064,000 | 2,149,000 | 3,243,000 | 4,314,000 |
| Interest expense | 308,000 | 598,000 | 874,000 | 1,131,000 |
| Net interest income | 756,000 | 1,551,000 | 2,369,000 | 3,183,000 |
| Noninterest income | 151,000 | 297,000 | 523,000 | 730,000 |
| Noninterest expense | 821,000 | 1,658,000 | 2,530,000 | 3,377,000 |
| Provision for loan losses | 0 | 80,000 | 140,000 | 274,000 |
| Pretax income | 125,000 | 149,000 | 426,000 | 481,000 |
| Income tax | 43,000 | 30,000 | 127,000 | 83,000 |
| Net income | 82,000 | 119,000 | 299,000 | 398,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,064,000 | 12,101,000 | 12,281,000 | 12,381,000 |
| Total capital | 12,624,000 | 12,507,000 | 12,741,000 | 12,776,000 |
| Risk-weighted assets | 50,007,000 | 51,067,000 | 52,258,000 | 52,003,000 |