Call reports 2019
WILLIAMSVILLE STATE BANK AND TRUST — 2019
What WILLIAMSVILLE STATE BANK AND TRUST reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 95,455,000 | 99,812,000 | 98,193,000 | 94,172,000 |
| Total loans | 36,475,000 | 36,765,000 | 36,489,000 | 35,417,000 |
| Allowance for loan losses | 290,000 | 289,000 | 289,000 | 246,000 |
| Securities available for sale | 47,528,000 | 45,513,000 | 42,527,000 | 42,520,000 |
| Securities held to maturity | 330,000 | 319,000 | 319,000 | 307,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,443,000 | 86,351,000 | 84,620,000 | 80,915,000 |
| Interest-bearing deposits | 62,957,000 | 67,275,000 | 66,655,000 | 61,085,000 |
| Noninterest-bearing deposits | 19,486,000 | 19,076,000 | 17,965,000 | 19,830,000 |
| Equity capital | 12,695,000 | 13,239,000 | 13,343,000 | 13,089,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 786,000 | 1,542,000 | 2,249,000 | 2,951,000 |
| Interest expense | 78,000 | 159,000 | 244,000 | 326,000 |
| Net interest income | 708,000 | 1,383,000 | 2,005,000 | 2,625,000 |
| Noninterest income | 69,000 | 141,000 | 194,000 | 266,000 |
| Noninterest expense | 670,000 | 1,375,000 | 2,016,000 | 2,882,000 |
| Provision for loan losses | 0 | 0 | 0 | 130,000 |
| Pretax income | 107,000 | 149,000 | 183,000 | -120,000 |
| Income tax | 19,000 | 18,000 | 14,000 | -82,000 |
| Net income | 88,000 | 131,000 | 169,000 | -38,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,120,000 | 13,115,000 | 13,116,000 | 12,863,000 |
| Total capital | 13,410,000 | 13,404,000 | 13,405,000 | 13,109,000 |
| Risk-weighted assets | 40,230,000 | 42,966,000 | 42,827,000 | 39,850,000 |