Call reports 2012
WILLIAMSVILLE STATE BANK AND TRUST — 2012
What WILLIAMSVILLE STATE BANK AND TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 116,557,000 | 116,089,000 | 118,980,000 | 116,691,000 |
| Total loans | 50,160,000 | 48,345,000 | 50,521,000 | 51,216,000 |
| Allowance for loan losses | 385,000 | 383,000 | 372,000 | 464,000 |
| Securities available for sale | 53,367,000 | 54,361,000 | 58,118,000 | 58,689,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,889,000 | 100,918,000 | 103,140,000 | 101,143,000 |
| Interest-bearing deposits | 84,330,000 | 84,567,000 | 84,287,000 | 81,834,000 |
| Noninterest-bearing deposits | 17,559,000 | 16,351,000 | 18,853,000 | 19,309,000 |
| Equity capital | 13,072,000 | 13,411,000 | 13,907,000 | 13,746,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,030,000 | 2,067,000 | 3,078,000 | 4,068,000 |
| Interest expense | 238,000 | 460,000 | 673,000 | 873,000 |
| Net interest income | 792,000 | 1,607,000 | 2,405,000 | 3,195,000 |
| Noninterest income | 243,000 | 408,000 | 582,000 | 739,000 |
| Noninterest expense | 748,000 | 1,657,000 | 2,455,000 | 3,325,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 287,000 | 414,000 | 588,000 | 683,000 |
| Income tax | 95,000 | 115,000 | 143,000 | 109,000 |
| Net income | 192,000 | 299,000 | 445,000 | 574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,572,000 | 12,679,000 | 12,826,000 | 12,910,000 |
| Total capital | 12,957,000 | 13,062,000 | 13,198,000 | 13,374,000 |
| Risk-weighted assets | 53,051,000 | 51,794,000 | 52,905,000 | 52,300,000 |