Call reports 2020
WILLIAMSVILLE STATE BANK AND TRUST — 2020
What WILLIAMSVILLE STATE BANK AND TRUST reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 95,750,000 | 100,426,000 | 101,738,000 | 99,085,000 |
| Total loans | 36,476,000 | 40,418,000 | 42,294,000 | 41,324,000 |
| Allowance for loan losses | 300,000 | 203,000 | 240,000 | 226,000 |
| Securities available for sale | 34,449,000 | 39,752,000 | 40,421,000 | 37,629,000 |
| Securities held to maturity | 307,000 | 295,000 | 295,000 | 283,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,364,000 | 86,560,000 | 87,750,000 | 85,208,000 |
| Interest-bearing deposits | 62,449,000 | 65,442,000 | 66,508,000 | 63,020,000 |
| Noninterest-bearing deposits | 19,915,000 | 21,118,000 | 21,242,000 | 22,188,000 |
| Equity capital | 13,172,000 | 13,499,000 | 13,539,000 | 13,550,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 671,000 | 1,309,000 | 1,920,000 | 2,579,000 |
| Interest expense | 77,000 | 151,000 | 224,000 | 290,000 |
| Net interest income | 594,000 | 1,158,000 | 1,696,000 | 2,289,000 |
| Noninterest income | 74,000 | 149,000 | 259,000 | 364,000 |
| Noninterest expense | 664,000 | 1,335,000 | 1,983,000 | 2,671,000 |
| Provision for loan losses | 40,000 | 43,000 | 98,000 | 98,000 |
| Pretax income | -36,000 | -42,000 | -98,000 | 34,000 |
| Income tax | -19,000 | -29,000 | -52,000 | -29,000 |
| Net income | -17,000 | -13,000 | -46,000 | 63,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,856,000 | 12,859,000 | 12,801,000 | 12,918,000 |
| Total capital | 13,156,000 | 13,062,000 | 13,041,000 | 13,144,000 |
| Risk-weighted assets | 45,661,000 | 42,188,000 | 42,983,000 | 42,333,000 |