Call reports 2009
WILCOX COUNTY STATE BANK — 2009
What WILCOX COUNTY STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 49,164,000 | 50,861,000 | 51,568,000 | 53,526,000 |
| Total loans | 39,384,000 | 40,812,000 | 42,370,000 | 44,048,000 |
| Allowance for loan losses | 1,497,000 | 1,522,000 | 1,521,000 | 1,539,000 |
| Securities available for sale | 7,366,000 | 6,977,000 | 6,248,000 | 7,292,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,748,000 | 45,357,000 | 45,833,000 | 47,721,000 |
| Interest-bearing deposits | 39,279,000 | 41,334,000 | 41,831,000 | 43,924,000 |
| Noninterest-bearing deposits | 3,469,000 | 4,023,000 | 4,002,000 | 3,797,000 |
| Equity capital | 5,266,000 | 5,338,000 | 5,561,000 | 5,620,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 814,000 | 1,644,000 | 2,497,000 | 3,373,000 |
| Interest expense | 246,000 | 496,000 | 743,000 | 981,000 |
| Net interest income | 568,000 | 1,148,000 | 1,754,000 | 2,392,000 |
| Noninterest income | 84,000 | 179,000 | 268,000 | 360,000 |
| Noninterest expense | 460,000 | 932,000 | 1,446,000 | 1,935,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 190,000 | 390,000 | 571,000 | 812,000 |
| Income tax | 72,000 | 133,000 | 173,000 | 275,000 |
| Net income | 118,000 | 257,000 | 398,000 | 537,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,819,000 | 5,005,000 | 5,188,000 | 5,373,000 |
| Total capital | 5,232,000 | 5,432,000 | 5,631,000 | 5,836,000 |
| Risk-weighted assets | 31,954,000 | 33,053,000 | 34,150,000 | 35,932,000 |
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