Call reports 2002
WHEELER COUNTY STATE BANK — 2002
What WHEELER COUNTY STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 36,622,000 | 37,762,000 | 39,291,000 | 40,238,000 |
| Total loans | 26,034,000 | 27,604,000 | 28,071,000 | 27,977,000 |
| Allowance for loan losses | 259,000 | 264,000 | 265,000 | 247,000 |
| Securities available for sale | 3,775,000 | 3,980,000 | 3,782,000 | 3,465,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,721,000 | 33,605,000 | 34,826,000 | 35,638,000 |
| Interest-bearing deposits | 25,266,000 | 26,466,000 | 27,184,000 | 28,553,000 |
| Noninterest-bearing deposits | 7,455,000 | 7,139,000 | 7,642,000 | 7,085,000 |
| Equity capital | 3,561,000 | 3,832,000 | 4,111,000 | 4,344,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 626,000 | 1,260,000 | 1,923,000 | 2,574,000 |
| Interest expense | 253,000 | 495,000 | 737,000 | 972,000 |
| Net interest income | 373,000 | 765,000 | 1,186,000 | 1,602,000 |
| Noninterest income | 83,000 | 166,000 | 248,000 | 353,000 |
| Noninterest expense | 250,000 | 502,000 | 751,000 | 1,003,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 191,000 | 399,000 | 638,000 | 892,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 191,000 | 399,000 | 638,000 | 892,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,529,000 | 3,737,000 | 3,976,000 | 4,215,000 |
| Total capital | 3,788,000 | 4,001,000 | 4,241,000 | 4,462,000 |
| Risk-weighted assets | 26,687,000 | 27,925,000 | 28,495,000 | 28,624,000 |