Call reports 2003
WHEELER COUNTY STATE BANK — 2003
What WHEELER COUNTY STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 41,922,000 | 43,940,000 | 44,503,000 | 44,691,000 |
| Total loans | 28,761,000 | 30,191,000 | 30,037,000 | 30,862,000 |
| Allowance for loan losses | 278,000 | 325,000 | 352,000 | 386,000 |
| Securities available for sale | 5,942,000 | 7,667,000 | 7,313,000 | 7,237,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,453,000 | 39,235,000 | 39,577,000 | 39,724,000 |
| Interest-bearing deposits | 29,860,000 | 29,515,000 | 31,219,000 | 31,616,000 |
| Noninterest-bearing deposits | 7,593,000 | 9,720,000 | 8,358,000 | 8,108,000 |
| Equity capital | 4,198,000 | 4,447,000 | 4,621,000 | 4,737,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 647,000 | 1,335,000 | 2,008,000 | 2,687,000 |
| Interest expense | 223,000 | 439,000 | 652,000 | 868,000 |
| Net interest income | 424,000 | 896,000 | 1,356,000 | 1,819,000 |
| Noninterest income | 81,000 | 158,000 | 248,000 | 340,000 |
| Noninterest expense | 280,000 | 557,000 | 827,000 | 1,093,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 272,000 |
| Pretax income | 180,000 | 407,000 | 642,000 | 794,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 180,000 | 407,000 | 642,000 | 794,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,045,000 | 4,262,000 | 4,497,000 | 4,649,000 |
| Total capital | 4,323,000 | 4,587,000 | 4,849,000 | 5,035,000 |
| Risk-weighted assets | 29,378,000 | 31,128,000 | 30,725,000 | 31,423,000 |