Call reports 2007
WHEELER COUNTY STATE BANK — 2007
What WHEELER COUNTY STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 98,465,000 | 98,610,000 | 100,573,000 | 106,202,000 |
| Total loans | 63,584,000 | 65,355,000 | 70,748,000 | 72,518,000 |
| Allowance for loan losses | 902,000 | 987,000 | 1,116,000 | 988,000 |
| Securities available for sale | 11,482,000 | 14,544,000 | 14,274,000 | 13,345,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,506,000 | 88,239,000 | 89,783,000 | 95,044,000 |
| Interest-bearing deposits | 67,966,000 | 76,479,000 | 76,634,000 | 76,394,000 |
| Noninterest-bearing deposits | 20,539,000 | 11,760,000 | 13,149,000 | 18,650,000 |
| Equity capital | 8,823,000 | 9,061,000 | 9,538,000 | 9,916,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,694,000 | 3,549,000 | 5,465,000 | 7,410,000 |
| Interest expense | 781,000 | 1,678,000 | 2,584,000 | 3,522,000 |
| Net interest income | 913,000 | 1,871,000 | 2,881,000 | 3,888,000 |
| Noninterest income | 106,000 | 221,000 | 316,000 | 451,000 |
| Noninterest expense | 597,000 | 1,207,000 | 1,886,000 | 2,569,000 |
| Provision for loan losses | 105,000 | 210,000 | 345,000 | 495,000 |
| Pretax income | 317,000 | 675,000 | 966,000 | 1,275,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 317,000 | 675,000 | 966,000 | 1,275,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,849,000 | 9,206,000 | 9,497,000 | 9,807,000 |
| Total capital | 9,646,000 | 10,024,000 | 10,363,000 | 10,705,000 |
| Risk-weighted assets | 63,631,000 | 65,258,000 | 69,068,000 | 71,744,000 |