Call reports 2022
WILLIAMSVILLE STATE BANK AND TRUST — 2022
What WILLIAMSVILLE STATE BANK AND TRUST reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 109,799,000 | 109,119,000 | 105,497,000 | 102,676,000 |
| Total loans | 37,756,000 | 37,775,000 | 38,384,000 | 37,882,000 |
| Allowance for loan losses | 228,000 | 224,000 | 224,000 | 214,000 |
| Securities available for sale | 43,248,000 | 48,427,000 | 47,582,000 | 45,523,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,556,000 | 99,643,000 | 97,256,000 | 94,446,000 |
| Interest-bearing deposits | 71,562,000 | 72,943,000 | 72,145,000 | 68,837,000 |
| Noninterest-bearing deposits | 26,994,000 | 26,700,000 | 25,111,000 | 25,609,000 |
| Equity capital | 11,118,000 | 9,348,000 | 8,139,000 | 8,090,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 558,000 | 1,210,000 | 2,023,000 | 2,902,000 |
| Interest expense | 56,000 | 107,000 | 159,000 | 228,000 |
| Net interest income | 502,000 | 1,103,000 | 1,864,000 | 2,674,000 |
| Noninterest income | 46,000 | 89,000 | 132,000 | 180,000 |
| Noninterest expense | 621,000 | 1,256,000 | 1,875,000 | 2,571,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -8,000 | 1,000 | 186,000 | 348,000 |
| Income tax | -22,000 | -21,000 | 49,000 | 73,000 |
| Net income | 14,000 | 22,000 | 137,000 | 275,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,658,000 | 12,633,000 | 12,707,000 | 12,788,000 |
| Total capital | 12,886,000 | 12,857,000 | 12,931,000 | 13,002,000 |
| Risk-weighted assets | 43,041,000 | 44,300,000 | 44,226,000 | 43,656,000 |