Call reports 2021
WILLIAMSVILLE STATE BANK AND TRUST — 2021
What WILLIAMSVILLE STATE BANK AND TRUST reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 105,053,000 | 104,818,000 | 108,051,000 | 105,411,000 |
| Total loans | 41,021,000 | 39,775,000 | 39,388,000 | 38,330,000 |
| Allowance for loan losses | 237,000 | 242,000 | 248,000 | 247,000 |
| Securities available for sale | 40,563,000 | 37,850,000 | 36,228,000 | 34,952,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,790,000 | 91,529,000 | 94,772,000 | 92,464,000 |
| Interest-bearing deposits | 67,141,000 | 67,436,000 | 71,079,000 | 67,179,000 |
| Noninterest-bearing deposits | 24,649,000 | 24,093,000 | 23,693,000 | 25,285,000 |
| Equity capital | 13,016,000 | 13,181,000 | 13,141,000 | 12,839,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 571,000 | 1,132,000 | 1,703,000 | 2,249,000 |
| Interest expense | 64,000 | 126,000 | 187,000 | 249,000 |
| Net interest income | 507,000 | 1,006,000 | 1,516,000 | 2,000,000 |
| Noninterest income | 94,000 | 241,000 | 275,000 | 335,000 |
| Noninterest expense | 679,000 | 1,322,000 | 1,945,000 | 2,603,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -78,000 | -75,000 | -154,000 | -175,000 |
| Income tax | -31,000 | -48,000 | -73,000 | -83,000 |
| Net income | -47,000 | -27,000 | -81,000 | -92,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,849,000 | 12,839,000 | 12,770,000 | 12,644,000 |
| Total capital | 13,086,000 | 13,081,000 | 13,018,000 | 12,891,000 |
| Risk-weighted assets | 42,373,000 | 42,249,000 | 42,872,000 | 42,218,000 |