Call reports 2013
WHITE STATE BANK — 2013
What WHITE STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 34,460,000 | 34,262,000 | 36,689,000 | 35,955,000 |
| Total loans | 19,047,000 | 19,195,000 | 19,913,000 | 20,950,000 |
| Allowance for loan losses | 250,000 | 255,000 | 255,000 | 255,000 |
| Securities available for sale | 9,738,000 | 9,190,000 | 9,311,000 | 9,064,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,795,000 | 28,135,000 | 31,117,000 | 29,150,000 |
| Interest-bearing deposits | 24,389,000 | 24,112,000 | 26,589,000 | 25,027,000 |
| Noninterest-bearing deposits | 4,406,000 | 4,023,000 | 4,528,000 | 4,123,000 |
| Equity capital | 5,403,000 | 5,348,000 | 5,389,000 | 5,513,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 343,000 | 683,000 | 1,030,000 | 1,381,000 |
| Interest expense | 50,000 | 97,000 | 142,000 | 185,000 |
| Net interest income | 293,000 | 586,000 | 888,000 | 1,196,000 |
| Noninterest income | 30,000 | 57,000 | 85,000 | 118,000 |
| Noninterest expense | 132,000 | 269,000 | 405,000 | 512,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 191,000 | 374,000 | 568,000 | 802,000 |
| Income tax | 66,000 | 133,000 | 201,000 | 284,000 |
| Net income | 125,000 | 256,000 | 382,000 | 533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,165,000 | 4,403,000 | 4,335,000 | 4,493,000 |
| Total capital | 4,414,000 | 4,655,000 | 4,590,000 | 4,748,000 |
| Risk-weighted assets | 20,327,000 | 20,190,000 | 21,402,000 | 21,893,000 |