Call reports 2015
BANK OF WALKER COUNTY — 2015
What BANK OF WALKER COUNTY 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 | 70,260,000 | 69,707,000 | 72,543,000 | 70,840,000 |
| Total loans | 48,870,000 | 48,235,000 | 46,341,000 | 45,893,000 |
| Allowance for loan losses | 566,000 | 585,000 | 594,000 | 585,000 |
| Securities available for sale | 15,365,000 | 12,150,000 | 12,312,000 | 15,223,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,420,000 | 58,850,000 | 61,532,000 | 59,742,000 |
| Interest-bearing deposits | 44,320,000 | 45,089,000 | 44,073,000 | 42,922,000 |
| Noninterest-bearing deposits | 15,100,000 | 13,761,000 | 17,459,000 | 16,820,000 |
| Equity capital | 10,650,000 | 10,673,000 | 10,815,000 | 10,970,000 |
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 | 731,000 | 1,481,000 | 2,180,000 | 2,898,000 |
| Interest expense | 63,000 | 126,000 | 190,000 | 252,000 |
| Net interest income | 668,000 | 1,355,000 | 1,990,000 | 2,646,000 |
| Noninterest income | 146,000 | 310,000 | 489,000 | 646,000 |
| Noninterest expense | 594,000 | 1,192,000 | 1,843,000 | 2,506,000 |
| Provision for loan losses | 25,000 | 39,000 | 41,000 | 41,000 |
| Pretax income | 237,000 | 481,000 | 644,000 | 794,000 |
| Income tax | 96,000 | 195,000 | 259,000 | 254,000 |
| Net income | 141,000 | 286,000 | 385,000 | 540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,661,000 | 10,804,000 | 10,903,000 | 11,058,000 |
| Total capital | 11,227,000 | 11,389,000 | 11,494,000 | 11,643,000 |
| Risk-weighted assets | 50,767,000 | 47,376,000 | 47,279,000 | 49,360,000 |