Call reports 2019
WHITE STATE BANK — 2019
What WHITE STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 38,059,000 | 38,859,000 | 40,083,000 | 41,214,000 |
| Total loans | 22,402,000 | 23,772,000 | 24,495,000 | 24,081,000 |
| Allowance for loan losses | 297,000 | 297,000 | 297,000 | 324,000 |
| Securities available for sale | 11,495,000 | 10,711,000 | 10,876,000 | 10,999,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,431,000 | 32,060,000 | 33,059,000 | 34,098,000 |
| Interest-bearing deposits | 24,631,000 | 24,787,000 | 25,658,000 | 25,800,000 |
| Noninterest-bearing deposits | 6,800,000 | 7,273,000 | 7,401,000 | 8,298,000 |
| Equity capital | 6,379,000 | 6,610,000 | 6,763,000 | 6,871,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 375,000 | 762,000 | 1,169,000 | 1,586,000 |
| Interest expense | 50,000 | 106,000 | 162,000 | 221,000 |
| Net interest income | 325,000 | 656,000 | 1,007,000 | 1,365,000 |
| Noninterest income | 28,000 | 54,000 | 78,000 | 104,000 |
| Noninterest expense | 171,000 | 337,000 | 502,000 | 702,000 |
| Provision for loan losses | 0 | 0 | 0 | 30,000 |
| Pretax income | 182,000 | 374,000 | 584,000 | 957,000 |
| Income tax | 44,000 | 90,000 | 141,000 | 232,000 |
| Net income | 138,000 | 284,000 | 443,000 | 725,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,369,000 | 5,515,000 | 5,524,000 | 5,805,000 |
| Total capital | 5,666,000 | 5,812,000 | 5,821,000 | 6,129,000 |
| Risk-weighted assets | 30,309,000 | 30,933,000 | 31,579,000 | 31,005,000 |