Call reports 2007
WILCOX COUNTY STATE BANK — 2007
What WILCOX COUNTY STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 41,497,000 | 41,846,000 | 42,494,000 | 43,806,000 |
| Total loans | 28,993,000 | 31,084,000 | 30,783,000 | 33,346,000 |
| Allowance for loan losses | 1,384,000 | 1,373,000 | 1,392,000 | 1,396,000 |
| Securities available for sale | 10,490,000 | 9,939,000 | 9,879,000 | 9,120,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,593,000 | 37,309,000 | 37,850,000 | 37,480,000 |
| Interest-bearing deposits | 33,792,000 | 33,717,000 | 34,388,000 | 34,689,000 |
| Noninterest-bearing deposits | 3,801,000 | 3,592,000 | 3,462,000 | 2,791,000 |
| Equity capital | 3,756,000 | 3,723,000 | 4,255,000 | 4,456,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 765,000 | 1,551,000 | 2,351,000 | 3,181,000 |
| Interest expense | 320,000 | 668,000 | 1,034,000 | 1,410,000 |
| Net interest income | 445,000 | 883,000 | 1,317,000 | 1,771,000 |
| Noninterest income | 42,000 | 93,000 | 143,000 | 217,000 |
| Noninterest expense | 403,000 | 813,000 | 1,277,000 | 1,666,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 86,000 | 159,000 | 177,000 | 315,000 |
| Income tax | 0 | 0 | -546,000 | -546,000 |
| Net income | 86,000 | 159,000 | 723,000 | 861,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,754,000 | 3,773,000 | 3,886,000 | 4,331,000 |
| Total capital | 4,080,000 | 4,118,000 | 4,224,000 | 4,691,000 |
| Risk-weighted assets | 25,066,000 | 26,598,000 | 26,016,000 | 27,769,000 |
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