Call reports 2015
WILLIAMSVILLE STATE BANK AND TRUST — 2015
What WILLIAMSVILLE STATE BANK AND TRUST reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 111,161,000 | 112,418,000 | 110,990,000 | 107,632,000 |
| Total loans | 46,678,000 | 45,848,000 | 44,488,000 | 43,157,000 |
| Allowance for loan losses | 420,000 | 414,000 | 399,000 | 375,000 |
| Securities available for sale | 52,558,000 | 53,864,000 | 55,060,000 | 53,559,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,411,000 | 99,123,000 | 97,412,000 | 94,145,000 |
| Interest-bearing deposits | 78,868,000 | 80,355,000 | 79,684,000 | 75,309,000 |
| Noninterest-bearing deposits | 18,543,000 | 18,768,000 | 17,728,000 | 18,836,000 |
| Equity capital | 13,529,000 | 13,040,000 | 13,396,000 | 13,301,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 822,000 | 1,636,000 | 2,444,000 | 3,236,000 |
| Interest expense | 100,000 | 191,000 | 277,000 | 360,000 |
| Net interest income | 722,000 | 1,445,000 | 2,167,000 | 2,876,000 |
| Noninterest income | 138,000 | 255,000 | 342,000 | 468,000 |
| Noninterest expense | 716,000 | 1,467,000 | 2,207,000 | 2,958,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 184,000 | 273,000 | 342,000 | 401,000 |
| Income tax | 39,000 | 60,000 | 69,000 | 44,000 |
| Net income | 145,000 | 213,000 | 273,000 | 357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,350,000 | 13,343,000 | 13,391,000 | 13,457,000 |
| Total capital | 13,770,000 | 13,757,000 | 13,790,000 | 13,832,000 |
| Risk-weighted assets | 46,436,000 | 46,824,000 | 45,854,000 | 42,761,000 |