Call reports 2012
WILCOX COUNTY STATE BANK — 2012
What WILCOX COUNTY STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 79,614,000 | 77,076,000 | 76,663,000 | 83,751,000 |
| Total loans | 50,844,000 | 52,171,000 | 53,397,000 | 52,633,000 |
| Allowance for loan losses | 1,030,000 | 1,039,000 | 1,040,000 | 1,305,000 |
| Securities available for sale | 11,581,000 | 10,922,000 | 10,221,000 | 10,602,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,361,000 | 69,493,000 | 68,755,000 | 76,077,000 |
| Interest-bearing deposits | 64,206,000 | 61,777,000 | 61,128,000 | 63,685,000 |
| Noninterest-bearing deposits | 8,155,000 | 7,716,000 | 7,627,000 | 12,392,000 |
| Equity capital | 6,899,000 | 7,095,000 | 7,298,000 | 7,118,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 803,000 | 1,627,000 | 2,473,000 | 3,285,000 |
| Interest expense | 158,000 | 299,000 | 415,000 | 510,000 |
| Net interest income | 645,000 | 1,328,000 | 2,058,000 | 2,775,000 |
| Noninterest income | 67,000 | 189,000 | 303,000 | 404,000 |
| Noninterest expense | 603,000 | 1,218,000 | 1,860,000 | 2,509,000 |
| Provision for loan losses | 0 | 0 | 0 | 270,000 |
| Pretax income | 150,000 | 340,000 | 542,000 | 714,000 |
| Income tax | 54,000 | 118,000 | 178,000 | 238,000 |
| Net income | 96,000 | 222,000 | 364,000 | 476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,848,000 | 6,926,000 | 7,072,000 | 7,144,000 |
| Total capital | 7,424,000 | 7,508,000 | 7,666,000 | 7,746,000 |
| Risk-weighted assets | 45,616,000 | 46,136,000 | 47,044,000 | 47,465,000 |