Call reports 2023
WILLIAMSVILLE STATE BANK AND TRUST — 2023
What WILLIAMSVILLE STATE BANK AND TRUST reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 101,767,000 | 102,893,000 | 102,147,000 | 98,320,000 |
| Total loans | 36,525,000 | 34,820,000 | 34,218,000 | 33,572,000 |
| Allowance for loan losses | 219,000 | 211,000 | 198,000 | 223,000 |
| Securities available for sale | 45,920,000 | 44,110,000 | 41,964,000 | 45,172,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,311,000 | 93,893,000 | 93,952,000 | 88,672,000 |
| Interest-bearing deposits | 67,067,000 | 69,808,000 | 67,698,000 | 63,068,000 |
| Noninterest-bearing deposits | 25,244,000 | 24,085,000 | 26,254,000 | 25,604,000 |
| Equity capital | 9,299,000 | 8,797,000 | 7,970,000 | 9,365,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 881,000 | 1,780,000 | 2,709,000 | 3,627,000 |
| Interest expense | 108,000 | 234,000 | 370,000 | 512,000 |
| Net interest income | 773,000 | 1,546,000 | 2,339,000 | 3,115,000 |
| Noninterest income | 52,000 | 105,000 | 161,000 | 204,000 |
| Noninterest expense | 668,000 | 1,258,000 | 1,848,000 | 2,467,000 |
| Provision for loan losses | -3,000 | -9,000 | -22,000 | 3,000 |
| Pretax income | 160,000 | 402,000 | 674,000 | 849,000 |
| Income tax | 43,000 | 104,000 | 171,000 | 248,000 |
| Net income | 117,000 | 298,000 | 503,000 | 601,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,837,000 | 12,945,000 | 13,075,000 | 13,135,000 |
| Total capital | 13,056,000 | 13,156,000 | 13,273,000 | 13,358,000 |
| Risk-weighted assets | 41,613,000 | 41,753,000 | 42,381,000 | 40,383,000 |