Call reports 2006
WHEELER COUNTY STATE BANK — 2006
What WHEELER COUNTY STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 76,638,000 | 77,705,000 | 83,165,000 | 88,496,000 |
| Total loans | 48,871,000 | 53,085,000 | 55,792,000 | 60,170,000 |
| Allowance for loan losses | 622,000 | 675,000 | 760,000 | 809,000 |
| Securities available for sale | 7,704,000 | 7,694,000 | 7,989,000 | 8,483,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,809,000 | 68,478,000 | 73,613,000 | 78,626,000 |
| Interest-bearing deposits | 53,665,000 | 54,726,000 | 59,826,000 | 62,399,000 |
| Noninterest-bearing deposits | 14,144,000 | 13,752,000 | 13,787,000 | 16,227,000 |
| Equity capital | 8,140,000 | 8,373,000 | 8,618,000 | 8,920,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,195,000 | 2,516,000 | 3,976,000 | 5,557,000 |
| Interest expense | 496,000 | 997,000 | 1,629,000 | 2,346,000 |
| Net interest income | 699,000 | 1,519,000 | 2,347,000 | 3,211,000 |
| Noninterest income | 93,000 | 191,000 | 297,000 | 402,000 |
| Noninterest expense | 514,000 | 1,090,000 | 1,681,000 | 2,270,000 |
| Provision for loan losses | 55,000 | 150,000 | 255,000 | 360,000 |
| Pretax income | 223,000 | 470,000 | 708,000 | 983,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 223,000 | 470,000 | 708,000 | 983,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,280,000 | 8,508,000 | 8,696,000 | 8,971,000 |
| Total capital | 8,897,000 | 9,165,000 | 9,387,000 | 9,710,000 |
| Risk-weighted assets | 49,379,000 | 52,569,000 | 55,246,000 | 59,070,000 |