Call reports 2004
WILCOX COUNTY STATE BANK — 2004
What WILCOX COUNTY STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 51,414,000 | 50,391,000 | 48,570,000 | 46,909,000 |
| Total loans | 28,106,000 | 29,067,000 | 30,204,000 | 30,280,000 |
| Allowance for loan losses | 254,000 | 270,000 | 248,000 | 1,550,000 |
| Securities available for sale | 17,190,000 | 18,428,000 | 15,968,000 | 14,389,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,560,000 | 44,110,000 | 41,899,000 | 41,196,000 |
| Interest-bearing deposits | 41,104,000 | 40,706,000 | 38,443,000 | 37,898,000 |
| Noninterest-bearing deposits | 3,456,000 | 3,404,000 | 3,456,000 | 3,298,000 |
| Equity capital | 6,446,000 | 6,003,000 | 6,344,000 | 5,214,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 825,000 | 1,639,000 | 2,437,000 | 3,188,000 |
| Interest expense | 275,000 | 524,000 | 755,000 | 979,000 |
| Net interest income | 550,000 | 1,115,000 | 1,682,000 | 2,209,000 |
| Noninterest income | 66,000 | 134,000 | 199,000 | 262,000 |
| Noninterest expense | 380,000 | 738,000 | 1,138,000 | 1,461,000 |
| Provision for loan losses | 100,000 | 220,000 | 370,000 | 1,987,000 |
| Pretax income | 157,000 | 315,000 | 411,000 | -937,000 |
| Income tax | 25,000 | 45,000 | 34,000 | -300,000 |
| Net income | 132,000 | 270,000 | 377,000 | -637,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,101,000 | 6,155,000 | 6,263,000 | 5,123,000 |
| Total capital | 6,355,000 | 6,425,000 | 6,511,000 | 5,494,000 |
| Risk-weighted assets | 29,873,000 | 30,169,000 | 29,487,000 | 28,635,000 |
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