Call reports 2024
WILLIAMSVILLE STATE BANK AND TRUST — 2024
What WILLIAMSVILLE STATE BANK AND TRUST reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 98,887,000 | 98,040,000 | 98,561,000 | 92,249,000 |
| Total loans | 32,678,000 | 31,732,000 | 31,134,000 | 29,797,000 |
| Allowance for loan losses | 223,000 | 185,000 | 229,000 | 224,000 |
| Securities available for sale | 45,719,000 | 45,084,000 | 47,807,000 | 44,619,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,709,000 | 88,543,000 | 87,765,000 | 82,763,000 |
| Interest-bearing deposits | 61,835,000 | 63,599,000 | 63,556,000 | 58,944,000 |
| Noninterest-bearing deposits | 27,874,000 | 24,944,000 | 24,209,000 | 23,819,000 |
| Equity capital | 8,842,000 | 9,188,000 | 10,465,000 | 9,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 935,000 | 1,834,000 | 2,755,000 | 3,635,000 |
| Interest expense | 153,000 | 321,000 | 493,000 | 668,000 |
| Net interest income | 782,000 | 1,513,000 | 2,262,000 | 2,967,000 |
| Noninterest income | 47,000 | 87,000 | 133,000 | 178,000 |
| Noninterest expense | 643,000 | 1,254,000 | 1,873,000 | 2,545,000 |
| Provision for loan losses | 0 | -38,000 | -40,000 | -40,000 |
| Pretax income | 186,000 | 384,000 | 560,000 | 638,000 |
| Income tax | 52,000 | 93,000 | 133,000 | 148,000 |
| Net income | 134,000 | 291,000 | 427,000 | 490,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,162,000 | 13,244,000 | 13,302,000 | 13,292,000 |
| Total capital | 13,385,000 | 13,429,000 | 13,533,000 | 13,518,000 |
| Risk-weighted assets | 40,573,000 | 38,425,000 | 37,381,000 | 36,376,000 |