Call reports 2025
WILLIAMSVILLE STATE BANK AND TRUST — 2025
What WILLIAMSVILLE STATE BANK AND TRUST reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 94,354,000 | 96,501,000 | 97,878,000 | 92,724,000 |
| Total loans | 29,364,000 | 28,946,000 | 27,348,000 | 26,117,000 |
| Allowance for loan losses | 210,000 | 374,000 | 272,000 | 258,000 |
| Securities available for sale | 44,696,000 | 43,383,000 | 43,329,000 | 42,194,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,251,000 | 86,246,000 | 86,774,000 | 81,473,000 |
| Interest-bearing deposits | 59,605,000 | 63,851,000 | 64,448,000 | 58,331,000 |
| Noninterest-bearing deposits | 24,646,000 | 22,395,000 | 22,326,000 | 23,142,000 |
| Equity capital | 9,683,000 | 9,794,000 | 10,616,000 | 10,719,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 845,000 | 1,706,000 | 2,610,000 | 3,468,000 |
| Interest expense | 163,000 | 343,000 | 533,000 | 714,000 |
| Net interest income | 682,000 | 1,363,000 | 2,077,000 | 2,754,000 |
| Noninterest income | 25,000 | 540,000 | 585,000 | 621,000 |
| Noninterest expense | 707,000 | 1,375,000 | 2,044,000 | 2,692,000 |
| Provision for loan losses | -13,000 | 151,000 | 49,000 | 35,000 |
| Pretax income | 13,000 | 380,000 | 572,000 | 651,000 |
| Income tax | 7,000 | 45,000 | 92,000 | 120,000 |
| Net income | 6,000 | 335,000 | 480,000 | 531,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,186,000 | 13,447,000 | 13,522,000 | 13,507,000 |
| Total capital | 13,396,000 | 13,821,000 | 13,794,000 | 13,765,000 |
| Risk-weighted assets | 36,290,000 | 36,746,000 | 35,615,000 | 33,540,000 |