Call reports 2016
WILLIAMSVILLE STATE BANK AND TRUST — 2016
What WILLIAMSVILLE STATE BANK AND TRUST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 104,661,000 | 105,422,000 | 103,418,000 | 100,500,000 |
| Total loans | 41,700,000 | 40,417,000 | 39,303,000 | 38,704,000 |
| Allowance for loan losses | 376,000 | 366,000 | 344,000 | 344,000 |
| Securities available for sale | 50,982,000 | 49,164,000 | 52,213,000 | 50,160,000 |
| Securities held to maturity | 0 | 0 | 0 | 360,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,893,000 | 91,179,000 | 89,295,000 | 87,382,000 |
| Interest-bearing deposits | 72,246,000 | 73,586,000 | 72,439,000 | 69,978,000 |
| Noninterest-bearing deposits | 18,647,000 | 17,593,000 | 16,856,000 | 17,404,000 |
| Equity capital | 13,594,000 | 13,853,000 | 13,748,000 | 12,917,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 759,000 | 1,494,000 | 2,251,000 | 2,904,000 |
| Interest expense | 81,000 | 159,000 | 236,000 | 310,000 |
| Net interest income | 678,000 | 1,335,000 | 2,015,000 | 2,594,000 |
| Noninterest income | 105,000 | 210,000 | 319,000 | 413,000 |
| Noninterest expense | 714,000 | 1,501,000 | 2,250,000 | 3,000,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 69,000 | 44,000 | 84,000 | 7,000 |
| Income tax | 6,000 | -11,000 | -10,000 | -55,000 |
| Net income | 63,000 | 55,000 | 94,000 | 62,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,435,000 | 13,400,000 | 13,411,000 | 13,297,000 |
| Total capital | 13,811,000 | 13,766,000 | 13,755,000 | 13,641,000 |
| Risk-weighted assets | 41,221,000 | 41,842,000 | 40,309,000 | 40,442,000 |