Call reports 2011
WHEELER COUNTY STATE BANK — 2011
What WHEELER COUNTY STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 109,927,000 | 98,195,000 | 97,310,000 | 95,782,000 |
| Total loans | 75,220,000 | 72,200,000 | 70,002,000 | 66,635,000 |
| Allowance for loan losses | 2,536,000 | 2,312,000 | 2,376,000 | 2,135,000 |
| Securities available for sale | 6,645,000 | 10,663,000 | 8,584,000 | 8,145,000 |
| Securities held to maturity | 60,000 | 60,000 | 60,000 | 40,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,992,000 | 86,011,000 | 85,087,000 | 83,338,000 |
| Interest-bearing deposits | 74,706,000 | 68,826,000 | 67,039,000 | 61,983,000 |
| Noninterest-bearing deposits | 23,286,000 | 17,186,000 | 18,048,000 | 21,355,000 |
| Equity capital | 11,357,000 | 11,600,000 | 11,893,000 | 12,003,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,383,000 | 2,627,000 | 3,984,000 | 5,174,000 |
| Interest expense | 405,000 | 762,000 | 1,043,000 | 1,273,000 |
| Net interest income | 978,000 | 1,865,000 | 2,941,000 | 3,901,000 |
| Noninterest income | 100,000 | 199,000 | 308,000 | 343,000 |
| Noninterest expense | 670,000 | 1,297,000 | 2,011,000 | 2,798,000 |
| Provision for loan losses | 0 | 225,000 | 450,000 | 528,000 |
| Pretax income | 408,000 | 544,000 | 792,000 | 922,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 408,000 | 544,000 | 792,000 | 922,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,424,000 | 11,562,000 | 11,808,000 | 11,939,000 |
| Total capital | 12,343,000 | 12,421,000 | 12,624,000 | 12,725,000 |
| Risk-weighted assets | 71,919,000 | 67,256,000 | 63,723,000 | 61,538,000 |