Call reports 2005
WILCOX COUNTY STATE BANK — 2005
What WILCOX COUNTY STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 47,168,000 | 44,776,000 | 43,879,000 | 41,654,000 |
| Total loans | 29,610,000 | 30,122,000 | 28,048,000 | 26,331,000 |
| Allowance for loan losses | 1,473,000 | 1,053,000 | 1,214,000 | 1,080,000 |
| Securities available for sale | 15,419,000 | 13,367,000 | 12,200,000 | 12,847,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,757,000 | 39,336,000 | 38,710,000 | 37,464,000 |
| Interest-bearing deposits | 38,428,000 | 36,427,000 | 35,235,000 | 33,967,000 |
| Noninterest-bearing deposits | 3,329,000 | 2,909,000 | 3,475,000 | 3,497,000 |
| Equity capital | 5,193,000 | 5,251,000 | 4,963,000 | 3,971,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 773,000 | 1,529,000 | 2,240,000 | 2,932,000 |
| Interest expense | 224,000 | 463,000 | 686,000 | 942,000 |
| Net interest income | 549,000 | 1,066,000 | 1,554,000 | 1,990,000 |
| Noninterest income | 57,000 | 121,000 | 178,000 | 217,000 |
| Noninterest expense | 399,000 | 774,000 | 1,169,000 | 1,554,000 |
| Provision for loan losses | 60,000 | 320,000 | 695,000 | 1,615,000 |
| Pretax income | 136,000 | 164,000 | -65,000 | -895,000 |
| Income tax | 46,000 | 46,000 | -22,000 | -22,000 |
| Net income | 90,000 | 118,000 | -43,000 | -873,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,225,000 | 5,204,000 | 4,894,000 | 3,992,000 |
| Total capital | 5,588,000 | 5,557,000 | 5,227,000 | 4,303,000 |
| Risk-weighted assets | 27,945,000 | 27,568,000 | 25,737,000 | 24,100,000 |
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