Call reports 2015
WILBURTON STATE BANK — 2015
What WILBURTON STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 66,479,000 | 65,270,000 | 64,165,000 | 64,350,000 |
| Total loans | 27,130,000 | 26,725,000 | 29,401,000 | 29,313,000 |
| Allowance for loan losses | 640,000 | 669,000 | 650,000 | 644,000 |
| Securities available for sale | 16,044,000 | 17,568,000 | 18,554,000 | 17,728,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,461,000 | 59,281,000 | 58,068,000 | 58,379,000 |
| Interest-bearing deposits | 44,611,000 | 44,130,000 | 43,089,000 | 42,901,000 |
| Noninterest-bearing deposits | 15,850,000 | 15,152,000 | 14,980,000 | 15,479,000 |
| Equity capital | 5,932,000 | 5,847,000 | 5,923,000 | 5,888,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 591,000 | 1,154,000 | 1,746,000 | 2,335,000 |
| Interest expense | 49,000 | 95,000 | 140,000 | 185,000 |
| Net interest income | 542,000 | 1,059,000 | 1,606,000 | 2,150,000 |
| Noninterest income | 153,000 | 305,000 | 452,000 | 594,000 |
| Noninterest expense | 447,000 | 924,000 | 1,387,000 | 1,876,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 233,000 | 410,000 | 626,000 | 808,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 233,000 | 410,000 | 626,000 | 808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,274,000 | 5,211,000 | 5,258,000 | 5,258,000 |
| Total capital | 5,662,000 | 5,586,000 | 5,653,000 | 5,659,000 |
| Risk-weighted assets | 30,812,000 | 29,762,000 | 31,394,000 | 31,820,000 |