Call reports 2018
WILLIAMSVILLE STATE BANK AND TRUST — 2018
What WILLIAMSVILLE STATE BANK AND TRUST reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 97,300,000 | 100,962,000 | 99,927,000 | 96,416,000 |
| Total loans | 37,135,000 | 38,683,000 | 38,975,000 | 37,161,000 |
| Allowance for loan losses | 301,000 | 298,000 | 298,000 | 296,000 |
| Securities available for sale | 47,579,000 | 48,839,000 | 46,855,000 | 45,921,000 |
| Securities held to maturity | 353,000 | 342,000 | 342,000 | 330,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,582,000 | 88,371,000 | 87,529,000 | 83,796,000 |
| Interest-bearing deposits | 65,161,000 | 68,838,000 | 68,857,000 | 63,964,000 |
| Noninterest-bearing deposits | 19,421,000 | 19,533,000 | 18,672,000 | 19,832,000 |
| Equity capital | 12,475,000 | 12,412,000 | 12,221,000 | 12,378,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 719,000 | 1,473,000 | 2,230,000 | 3,022,000 |
| Interest expense | 70,000 | 143,000 | 220,000 | 297,000 |
| Net interest income | 649,000 | 1,330,000 | 2,010,000 | 2,725,000 |
| Noninterest income | 88,000 | 167,000 | 251,000 | 349,000 |
| Noninterest expense | 678,000 | 1,338,000 | 2,029,000 | 2,717,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 59,000 | 159,000 | 232,000 | 357,000 |
| Income tax | 5,000 | 21,000 | 22,000 | 52,000 |
| Net income | 54,000 | 138,000 | 210,000 | 305,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,319,000 | 13,361,000 | 13,388,000 | 13,107,000 |
| Total capital | 13,620,000 | 13,659,000 | 13,686,000 | 13,403,000 |
| Risk-weighted assets | 41,462,000 | 43,198,000 | 43,318,000 | 41,485,000 |