Call reports 2017
WILLIAMSVILLE STATE BANK AND TRUST — 2017
What WILLIAMSVILLE STATE BANK AND TRUST reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 101,682,000 | 102,153,000 | 102,216,000 | 98,901,000 |
| Total loans | 39,497,000 | 39,491,000 | 38,264,000 | 38,164,000 |
| Allowance for loan losses | 334,000 | 334,000 | 334,000 | 301,000 |
| Securities available for sale | 49,404,000 | 49,266,000 | 48,742,000 | 49,579,000 |
| Securities held to maturity | 360,000 | 360,000 | 360,000 | 353,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,502,000 | 88,681,000 | 88,786,000 | 85,653,000 |
| Interest-bearing deposits | 69,749,000 | 70,578,000 | 70,811,000 | 65,985,000 |
| Noninterest-bearing deposits | 18,753,000 | 18,103,000 | 17,975,000 | 19,668,000 |
| Equity capital | 12,947,000 | 13,317,000 | 13,237,000 | 13,065,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 713,000 | 1,409,000 | 2,110,000 | 2,834,000 |
| Interest expense | 73,000 | 145,000 | 219,000 | 292,000 |
| Net interest income | 640,000 | 1,264,000 | 1,891,000 | 2,542,000 |
| Noninterest income | 86,000 | 181,000 | 266,000 | 360,000 |
| Noninterest expense | 673,000 | 1,357,000 | 2,049,000 | 2,743,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 53,000 | 88,000 | 107,000 | 158,000 |
| Income tax | 2,000 | 3,000 | -6,000 | -51,000 |
| Net income | 51,000 | 85,000 | 113,000 | 209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,300,000 | 13,301,000 | 13,295,000 | 13,329,000 |
| Total capital | 13,634,000 | 13,635,000 | 13,629,000 | 13,630,000 |
| Risk-weighted assets | 41,359,000 | 41,476,000 | 41,032,000 | 40,247,000 |