Call reports 2016
WILCOX COUNTY STATE BANK — 2016
What WILCOX COUNTY STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 82,295,000 | 81,063,000 | 79,870,000 | 84,829,000 |
| Total loans | 57,803,000 | 59,798,000 | 61,894,000 | 60,291,000 |
| Allowance for loan losses | 1,004,000 | 1,014,000 | 1,012,000 | 1,000,000 |
| Securities available for sale | 8,680,000 | 10,963,000 | 9,782,000 | 11,735,000 |
| Securities held to maturity | 5,000,000 | 2,500,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,059,000 | 70,608,000 | 68,789,000 | 73,460,000 |
| Interest-bearing deposits | 59,915,000 | 57,223,000 | 55,901,000 | 57,106,000 |
| Noninterest-bearing deposits | 13,144,000 | 13,385,000 | 12,888,000 | 16,354,000 |
| Equity capital | 9,041,000 | 9,137,000 | 9,399,000 | 9,295,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 922,000 | 1,859,000 | 2,816,000 | 3,770,000 |
| Interest expense | 63,000 | 127,000 | 189,000 | 261,000 |
| Net interest income | 859,000 | 1,732,000 | 2,627,000 | 3,509,000 |
| Noninterest income | 139,000 | 300,000 | 453,000 | 590,000 |
| Noninterest expense | 735,000 | 1,470,000 | 2,217,000 | 2,987,000 |
| Provision for loan losses | 15,000 | 25,000 | 25,000 | 25,000 |
| Pretax income | 248,000 | 537,000 | 838,000 | 1,087,000 |
| Income tax | 78,000 | 163,000 | 259,000 | 350,000 |
| Net income | 170,000 | 374,000 | 579,000 | 737,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,033,000 | 9,145,000 | 9,350,000 | 9,446,000 |
| Total capital | 9,678,000 | 9,813,000 | 10,031,000 | 10,112,000 |
| Risk-weighted assets | 51,285,000 | 53,122,000 | 54,165,000 | 52,952,000 |