Call reports 2008
WHEELER COUNTY STATE BANK — 2008
What WHEELER COUNTY STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 106,494,000 | 107,657,000 | 104,143,000 | 115,440,000 |
| Total loans | 76,431,000 | 77,606,000 | 77,562,000 | 74,956,000 |
| Allowance for loan losses | 1,115,000 | 1,059,000 | 1,045,000 | 1,251,000 |
| Securities available for sale | 8,136,000 | 6,060,000 | 5,762,000 | 5,783,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,427,000 | 94,477,000 | 90,616,000 | 102,344,000 |
| Interest-bearing deposits | 74,006,000 | 76,595,000 | 73,811,000 | 85,091,000 |
| Noninterest-bearing deposits | 19,421,000 | 17,882,000 | 16,806,000 | 17,253,000 |
| Equity capital | 9,725,000 | 9,881,000 | 10,114,000 | 10,213,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,904,000 | 3,673,000 | 5,474,000 | 7,129,000 |
| Interest expense | 886,000 | 1,706,000 | 2,462,000 | 3,200,000 |
| Net interest income | 1,018,000 | 1,967,000 | 3,012,000 | 3,929,000 |
| Noninterest income | 140,000 | 293,000 | 435,000 | 579,000 |
| Noninterest expense | 753,000 | 1,468,000 | 2,207,000 | 2,926,000 |
| Provision for loan losses | 150,000 | 300,000 | 500,000 | 725,000 |
| Pretax income | 288,000 | 527,000 | 775,000 | 892,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 288,000 | 527,000 | 775,000 | 892,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,604,000 | 9,843,000 | 10,091,000 | 10,155,000 |
| Total capital | 10,527,000 | 10,778,000 | 11,007,000 | 11,023,000 |
| Risk-weighted assets | 73,657,000 | 74,702,000 | 73,169,000 | 69,040,000 |