Call reports 2004
WHEELER COUNTY STATE BANK — 2004
What WHEELER COUNTY STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 46,493,000 | 47,874,000 | 47,396,000 | 48,964,000 |
| Total loans | 31,753,000 | 32,745,000 | 33,139,000 | 34,524,000 |
| Allowance for loan losses | 438,000 | 448,000 | 487,000 | 461,000 |
| Securities available for sale | 6,558,000 | 5,901,000 | 8,685,000 | 8,595,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,608,000 | 42,959,000 | 42,130,000 | 44,099,000 |
| Interest-bearing deposits | 33,080,000 | 34,134,000 | 34,463,000 | 35,601,000 |
| Noninterest-bearing deposits | 8,528,000 | 8,825,000 | 7,667,000 | 8,498,000 |
| Equity capital | 4,630,000 | 4,620,000 | 4,947,000 | 4,610,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 687,000 | 1,373,000 | 2,095,000 | 2,848,000 |
| Interest expense | 208,000 | 421,000 | 638,000 | 873,000 |
| Net interest income | 479,000 | 952,000 | 1,457,000 | 1,975,000 |
| Noninterest income | 93,000 | 178,000 | 279,000 | 379,000 |
| Noninterest expense | 303,000 | 579,000 | 860,000 | 1,171,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 224,000 | 461,000 | 741,000 | 1,003,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 224,000 | 461,000 | 741,000 | 1,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,509,000 | 4,644,000 | 4,894,000 | 4,632,000 |
| Total capital | 4,913,000 | 5,059,000 | 5,312,000 | 5,064,000 |
| Risk-weighted assets | 32,306,000 | 33,142,000 | 33,335,000 | 34,549,000 |