Call reports 2014
WILLIAMSVILLE STATE BANK AND TRUST — 2014
What WILLIAMSVILLE STATE BANK AND TRUST reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 114,123,000 | 113,555,000 | 111,426,000 | 109,280,000 |
| Total loans | 49,838,000 | 49,880,000 | 49,667,000 | 48,977,000 |
| Allowance for loan losses | 455,000 | 464,000 | 428,000 | 431,000 |
| Securities available for sale | 55,207,000 | 51,867,000 | 50,918,000 | 51,458,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,933,000 | 101,017,000 | 98,545,000 | 95,946,000 |
| Interest-bearing deposits | 80,134,000 | 82,048,000 | 80,187,000 | 76,807,000 |
| Noninterest-bearing deposits | 21,799,000 | 18,969,000 | 18,358,000 | 19,139,000 |
| Equity capital | 12,050,000 | 12,397,000 | 12,707,000 | 13,177,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 911,000 | 1,780,000 | 2,639,000 | 3,491,000 |
| Interest expense | 157,000 | 299,000 | 412,000 | 519,000 |
| Net interest income | 754,000 | 1,481,000 | 2,227,000 | 2,972,000 |
| Noninterest income | 161,000 | 285,000 | 380,000 | 502,000 |
| Noninterest expense | 758,000 | 1,583,000 | 2,323,000 | 3,093,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 135,000 | 181,000 | 282,000 | 359,000 |
| Income tax | 13,000 | 21,000 | 32,000 | 1,000 |
| Net income | 122,000 | 160,000 | 250,000 | 358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,092,000 | 13,107,000 | 13,175,000 | 13,258,000 |
| Total capital | 13,547,000 | 13,571,000 | 13,603,000 | 13,689,000 |
| Risk-weighted assets | 51,638,000 | 51,708,000 | 51,176,000 | 48,718,000 |