Call reports 2013
WILLIAMSVILLE STATE BANK AND TRUST — 2013
What WILLIAMSVILLE STATE BANK AND TRUST reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 118,406,000 | 115,820,000 | 115,225,000 | 113,424,000 |
| Total loans | 51,799,000 | 52,230,000 | 51,290,000 | 51,466,000 |
| Allowance for loan losses | 367,000 | 317,000 | 401,000 | 435,000 |
| Securities available for sale | 56,204,000 | 53,263,000 | 53,179,000 | 54,092,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,311,000 | 102,123,000 | 102,472,000 | 100,993,000 |
| Interest-bearing deposits | 82,938,000 | 82,103,000 | 82,821,000 | 81,152,000 |
| Noninterest-bearing deposits | 20,373,000 | 20,020,000 | 19,651,000 | 19,841,000 |
| Equity capital | 13,517,000 | 12,418,000 | 11,635,000 | 11,262,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 935,000 | 1,854,000 | 2,748,000 | 3,714,000 |
| Interest expense | 188,000 | 370,000 | 545,000 | 717,000 |
| Net interest income | 747,000 | 1,484,000 | 2,203,000 | 2,997,000 |
| Noninterest income | 129,000 | 345,000 | 491,000 | 445,000 |
| Noninterest expense | 812,000 | 1,700,000 | 2,745,000 | 3,361,000 |
| Provision for loan losses | 30,000 | 50,000 | 135,000 | 185,000 |
| Pretax income | 34,000 | 231,000 | 10,000 | 92,000 |
| Income tax | -26,000 | -9,000 | -89,000 | -117,000 |
| Net income | 60,000 | 240,000 | 99,000 | 209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,920,000 | 13,080,000 | 12,918,000 | 13,004,000 |
| Total capital | 13,287,000 | 13,397,000 | 13,319,000 | 13,439,000 |
| Risk-weighted assets | 52,693,000 | 53,350,000 | 53,448,000 | 52,611,000 |