Call reports 2008
WILCOX COUNTY STATE BANK — 2008
What WILCOX COUNTY STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 45,700,000 | 45,717,000 | 49,108,000 | 48,287,000 |
| Total loans | 34,733,000 | 36,876,000 | 38,325,000 | 38,232,000 |
| Allowance for loan losses | 1,523,000 | 1,526,000 | 1,536,000 | 1,547,000 |
| Securities available for sale | 7,653,000 | 7,709,000 | 7,723,000 | 7,147,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,702,000 | 40,045,000 | 41,182,000 | 41,483,000 |
| Interest-bearing deposits | 36,812,000 | 36,389,000 | 36,891,000 | 37,324,000 |
| Noninterest-bearing deposits | 3,890,000 | 3,656,000 | 4,291,000 | 4,159,000 |
| Equity capital | 4,622,000 | 4,595,000 | 4,834,000 | 5,146,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 827,000 | 1,657,000 | 2,492,000 | 3,317,000 |
| Interest expense | 356,000 | 675,000 | 992,000 | 1,278,000 |
| Net interest income | 471,000 | 982,000 | 1,500,000 | 2,039,000 |
| Noninterest income | 70,000 | 160,000 | 237,000 | 320,000 |
| Noninterest expense | 394,000 | 792,000 | 1,196,000 | 1,882,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 166,000 | 369,000 | 559,000 | 493,000 |
| Income tax | 47,000 | 102,000 | 174,000 | 0 |
| Net income | 119,000 | 267,000 | 385,000 | 493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,306,000 | 4,666,000 | 4,875,000 | 4,857,000 |
| Total capital | 4,682,000 | 5,067,000 | 5,297,000 | 5,284,000 |
| Risk-weighted assets | 28,954,000 | 30,985,000 | 32,637,000 | 33,069,000 |
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