Call reports 2005
WHEELER COUNTY STATE BANK — 2005
What WHEELER COUNTY STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 55,212,000 | 59,274,000 | 65,634,000 | 71,803,000 |
| Total loans | 36,433,000 | 39,987,000 | 41,637,000 | 47,202,000 |
| Allowance for loan losses | 502,000 | 553,000 | 580,000 | 595,000 |
| Securities available for sale | 8,226,000 | 8,254,000 | 7,943,000 | 7,904,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,572,000 | 54,397,000 | 60,489,000 | 64,211,000 |
| Interest-bearing deposits | 40,013,000 | 44,936,000 | 50,270,000 | 50,835,000 |
| Noninterest-bearing deposits | 10,559,000 | 9,462,000 | 10,219,000 | 13,376,000 |
| Equity capital | 4,299,000 | 4,586,000 | 4,761,000 | 7,050,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 789,000 | 1,675,000 | 2,678,000 | 3,780,000 |
| Interest expense | 256,000 | 556,000 | 944,000 | 1,352,000 |
| Net interest income | 533,000 | 1,119,000 | 1,734,000 | 2,428,000 |
| Noninterest income | 92,000 | 192,000 | 282,000 | 374,000 |
| Noninterest expense | 366,000 | 766,000 | 1,225,000 | 1,762,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 214,000 | 455,000 | 656,000 | 860,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 214,000 | 455,000 | 656,000 | 860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,430,000 | 4,671,000 | 4,872,000 | 7,198,000 |
| Total capital | 4,880,000 | 5,174,000 | 5,401,000 | 7,793,000 |
| Risk-weighted assets | 36,675,000 | 40,364,000 | 42,231,000 | 48,010,000 |