Call reports 2015
WHITE STATE BANK — 2015
What WHITE 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 | 35,101,000 | 34,940,000 | 35,078,000 | 35,533,000 |
| Total loans | 21,069,000 | 21,652,000 | 21,453,000 | 22,366,000 |
| Allowance for loan losses | 305,000 | 305,000 | 305,000 | 331,000 |
| Securities available for sale | 9,203,000 | 8,922,000 | 9,863,000 | 9,697,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,084,000 | 28,844,000 | 29,068,000 | 29,224,000 |
| Interest-bearing deposits | 23,951,000 | 24,272,000 | 24,192,000 | 23,855,000 |
| Noninterest-bearing deposits | 5,133,000 | 4,572,000 | 4,876,000 | 5,369,000 |
| Equity capital | 5,855,000 | 5,928,000 | 5,921,000 | 5,911,000 |
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 | 337,000 | 673,000 | 1,011,000 | 1,349,000 |
| Interest expense | 35,000 | 71,000 | 107,000 | 143,000 |
| Net interest income | 302,000 | 602,000 | 904,000 | 1,206,000 |
| Noninterest income | 24,000 | 45,000 | 69,000 | 98,000 |
| Noninterest expense | 146,000 | 295,000 | 431,000 | 582,000 |
| Provision for loan losses | 0 | 0 | 0 | 26,000 |
| Pretax income | 181,000 | 353,000 | 543,000 | 697,000 |
| Income tax | 62,000 | 121,000 | 187,000 | 238,000 |
| Net income | 119,000 | 232,000 | 356,000 | 459,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,637,000 | 4,856,000 | 4,859,000 | 5,006,000 |
| Total capital | 4,940,000 | 5,161,000 | 5,164,000 | 5,337,000 |
| Risk-weighted assets | 24,299,000 | 25,203,000 | 25,915,000 | 27,923,000 |