Call reports 2010
WILCOX COUNTY STATE BANK — 2010
What WILCOX COUNTY STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 55,271,000 | 58,633,000 | 65,357,000 | 67,845,000 |
| Total loans | 44,925,000 | 47,114,000 | 50,168,000 | 50,703,000 |
| Allowance for loan losses | 1,525,000 | 1,541,000 | 1,568,000 | 1,554,000 |
| Securities available for sale | 6,729,000 | 7,797,000 | 10,831,000 | 11,872,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,348,000 | 52,522,000 | 59,111,000 | 61,702,000 |
| Interest-bearing deposits | 44,509,000 | 47,630,000 | 54,075,000 | 55,614,000 |
| Noninterest-bearing deposits | 4,839,000 | 4,892,000 | 5,036,000 | 6,088,000 |
| Equity capital | 5,780,000 | 5,949,000 | 6,054,000 | 5,957,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 839,000 | 1,739,000 | 2,623,000 | 3,516,000 |
| Interest expense | 213,000 | 422,000 | 644,000 | 867,000 |
| Net interest income | 626,000 | 1,317,000 | 1,979,000 | 2,649,000 |
| Noninterest income | 92,000 | 203,000 | 320,000 | 430,000 |
| Noninterest expense | 514,000 | 1,069,000 | 1,636,000 | 2,232,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 204,000 | 468,000 | 680,000 | 919,000 |
| Income tax | 65,000 | 137,000 | 215,000 | 305,000 |
| Net income | 139,000 | 331,000 | 465,000 | 614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,609,000 | 5,817,000 | 5,952,000 | 6,060,000 |
| Total capital | 6,084,000 | 6,318,000 | 6,502,000 | 6,621,000 |
| Risk-weighted assets | 36,963,000 | 39,070,000 | 43,008,000 | 43,910,000 |