Call reports 2015
WILCOX COUNTY STATE BANK — 2015
What WILCOX COUNTY STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 79,957,000 | 81,246,000 | 79,190,000 | 83,958,000 |
| Total loans | 56,001,000 | 59,362,000 | 57,697,000 | 57,909,000 |
| Allowance for loan losses | 1,171,000 | 1,075,000 | 1,076,000 | 1,002,000 |
| Securities available for sale | 6,838,000 | 6,405,000 | 6,100,000 | 5,749,000 |
| Securities held to maturity | 5,000,000 | 5,000,000 | 5,000,000 | 5,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,331,000 | 71,218,000 | 65,232,000 | 74,955,000 |
| Interest-bearing deposits | 58,974,000 | 59,683,000 | 53,824,000 | 58,894,000 |
| Noninterest-bearing deposits | 12,357,000 | 11,535,000 | 11,408,000 | 16,061,000 |
| Equity capital | 8,446,000 | 8,580,000 | 8,830,000 | 8,831,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 846,000 | 1,746,000 | 2,671,000 | 3,595,000 |
| Interest expense | 52,000 | 110,000 | 172,000 | 238,000 |
| Net interest income | 794,000 | 1,636,000 | 2,499,000 | 3,357,000 |
| Noninterest income | 144,000 | 280,000 | 445,000 | 606,000 |
| Noninterest expense | 676,000 | 1,369,000 | 2,083,000 | 2,770,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 121,000 |
| Pretax income | 247,000 | 532,000 | 846,000 | 1,138,000 |
| Income tax | 72,000 | 149,000 | 249,000 | 376,000 |
| Net income | 175,000 | 383,000 | 597,000 | 762,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,380,000 | 8,547,000 | 8,761,000 | 8,863,000 |
| Total capital | 9,012,000 | 9,198,000 | 9,382,000 | 9,504,000 |
| Risk-weighted assets | 50,100,000 | 51,662,000 | 49,290,000 | 50,996,000 |