Call reports 2009
WHEELER COUNTY STATE BANK — 2009
What WHEELER COUNTY STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 116,653,000 | 113,219,000 | 106,699,000 | 107,198,000 |
| Total loans | 73,428,000 | 73,566,000 | 73,822,000 | 78,013,000 |
| Allowance for loan losses | 1,254,000 | 1,075,000 | 1,187,000 | 1,170,000 |
| Securities available for sale | 4,774,000 | 4,774,000 | 1,513,000 | 13,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 90,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,343,000 | 100,132,000 | 93,764,000 | 94,388,000 |
| Interest-bearing deposits | 85,724,000 | 85,840,000 | 80,397,000 | 81,141,000 |
| Noninterest-bearing deposits | 19,619,000 | 14,291,000 | 13,367,000 | 13,247,000 |
| Equity capital | 10,270,000 | 11,939,000 | 11,765,000 | 12,168,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,552,000 | 3,115,000 | 4,690,000 | 6,254,000 |
| Interest expense | 817,000 | 1,537,000 | 2,203,000 | 2,760,000 |
| Net interest income | 735,000 | 1,578,000 | 2,487,000 | 3,494,000 |
| Noninterest income | 127,000 | 250,000 | 353,000 | 476,000 |
| Noninterest expense | 650,000 | 1,310,000 | 1,986,000 | 2,665,000 |
| Provision for loan losses | 108,000 | 228,000 | 648,000 | 688,000 |
| Pretax income | 104,000 | 290,000 | 206,000 | 617,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 104,000 | 290,000 | 206,000 | 617,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,235,000 | 11,920,000 | 11,765,000 | 12,168,000 |
| Total capital | 11,143,000 | 12,797,000 | 12,657,000 | 13,117,000 |
| Risk-weighted assets | 72,300,000 | 69,934,000 | 71,042,000 | 75,695,000 |