Call reports 2010
WHEELER COUNTY STATE BANK — 2010
What WHEELER COUNTY STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 110,362,000 | 108,046,000 | 109,567,000 | 106,655,000 |
| Total loans | 78,604,000 | 80,733,000 | 79,645,000 | 76,868,000 |
| Allowance for loan losses | 1,250,000 | 1,181,000 | 1,170,000 | 2,798,000 |
| Securities available for sale | 2,015,000 | 4,532,000 | 6,951,000 | 7,796,000 |
| Securities held to maturity | 90,000 | 90,000 | 90,000 | 60,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,461,000 | 94,877,000 | 96,135,000 | 95,199,000 |
| Interest-bearing deposits | 83,554,000 | 82,602,000 | 81,902,000 | 79,279,000 |
| Noninterest-bearing deposits | 13,907,000 | 12,275,000 | 14,233,000 | 15,920,000 |
| Equity capital | 12,239,000 | 12,398,000 | 12,618,000 | 10,897,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,496,000 | 2,949,000 | 4,424,000 | 5,860,000 |
| Interest expense | 527,000 | 1,058,000 | 1,564,000 | 2,050,000 |
| Net interest income | 969,000 | 1,891,000 | 2,860,000 | 3,810,000 |
| Noninterest income | 23,000 | 74,000 | 339,000 | 311,000 |
| Noninterest expense | 654,000 | 1,280,000 | 2,067,000 | 2,545,000 |
| Provision for loan losses | 150,000 | 350,000 | 610,000 | 2,610,000 |
| Pretax income | 188,000 | 335,000 | 522,000 | -1,034,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 188,000 | 335,000 | 522,000 | -1,034,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,239,000 | 12,386,000 | 12,573,000 | 11,017,000 |
| Total capital | 13,163,000 | 13,337,000 | 13,511,000 | 11,942,000 |
| Risk-weighted assets | 73,599,000 | 75,846,000 | 74,810,000 | 72,135,000 |