Call reports 2013
WILCOX COUNTY STATE BANK — 2013
What WILCOX COUNTY STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 84,535,000 | 81,089,000 | 80,570,000 | 82,258,000 |
| Total loans | 53,029,000 | 55,258,000 | 55,607,000 | 53,594,000 |
| Allowance for loan losses | 1,309,000 | 1,301,000 | 1,310,000 | 1,220,000 |
| Securities available for sale | 9,958,000 | 9,033,000 | 8,715,000 | 8,211,000 |
| Securities held to maturity | 2,500,000 | 5,000,000 | 5,000,000 | 5,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,053,000 | 71,269,000 | 67,522,000 | 74,554,000 |
| Interest-bearing deposits | 65,063,000 | 61,853,000 | 58,769,000 | 61,963,000 |
| Noninterest-bearing deposits | 11,990,000 | 9,416,000 | 8,753,000 | 12,591,000 |
| Equity capital | 7,281,000 | 7,222,000 | 7,515,000 | 7,537,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 796,000 | 1,619,000 | 2,450,000 | 3,281,000 |
| Interest expense | 83,000 | 158,000 | 228,000 | 295,000 |
| Net interest income | 713,000 | 1,461,000 | 2,222,000 | 2,986,000 |
| Noninterest income | 121,000 | 237,000 | 365,000 | 495,000 |
| Noninterest expense | 613,000 | 1,246,000 | 1,901,000 | 2,571,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 206,000 | 437,000 | 671,000 | 895,000 |
| Income tax | 60,000 | 125,000 | 200,000 | 280,000 |
| Net income | 146,000 | 312,000 | 471,000 | 615,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,289,000 | 7,414,000 | 7,572,000 | 7,675,000 |
| Total capital | 7,895,000 | 8,022,000 | 8,183,000 | 8,271,000 |
| Risk-weighted assets | 47,762,000 | 47,969,000 | 48,210,000 | 47,039,000 |