Call reports 2005
WILBURTON STATE BANK — 2005
What WILBURTON STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 53,985,000 | 53,041,000 | 53,731,000 | 53,364,000 |
| Total loans | 27,522,000 | 26,473,000 | 26,747,000 | 26,210,000 |
| Allowance for loan losses | 570,000 | 584,000 | 592,000 | 540,000 |
| Securities available for sale | 10,370,000 | 12,101,000 | 12,645,000 | 12,399,000 |
| Securities held to maturity | 190,000 | 95,000 | 903,000 | 1,023,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,598,000 | 49,682,000 | 50,360,000 | 50,092,000 |
| Interest-bearing deposits | 41,407,000 | 37,936,000 | 37,590,000 | 42,025,000 |
| Noninterest-bearing deposits | 9,191,000 | 11,746,000 | 12,770,000 | 8,067,000 |
| Equity capital | 3,276,000 | 3,229,000 | 3,218,000 | 3,121,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 681,000 | 1,406,000 | 2,147,000 | 2,922,000 |
| Interest expense | 130,000 | 276,000 | 433,000 | 617,000 |
| Net interest income | 551,000 | 1,130,000 | 1,714,000 | 2,305,000 |
| Noninterest income | 72,000 | 170,000 | 254,000 | 337,000 |
| Noninterest expense | 286,000 | 586,000 | 896,000 | 1,362,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 307,000 | 654,000 | 982,000 | 1,160,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 307,000 | 654,000 | 982,000 | 1,160,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,096,000 | 2,984,000 | 3,011,000 | 2,929,000 |
| Total capital | 3,462,000 | 3,338,000 | 3,377,000 | 3,264,000 |
| Risk-weighted assets | 29,044,000 | 28,062,000 | 29,044,000 | 28,636,000 |
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