Call reports 2012
WHEELER COUNTY STATE BANK — 2012
What WHEELER COUNTY STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 98,793,000 | 95,952,000 | 98,015,000 | 93,707,000 |
| Total loans | 65,192,000 | 63,257,000 | 62,817,000 | 58,887,000 |
| Allowance for loan losses | 2,139,000 | 2,030,000 | 2,096,000 | 1,985,000 |
| Securities available for sale | 8,758,000 | 8,352,000 | 8,939,000 | 8,324,000 |
| Securities held to maturity | 40,000 | 40,000 | 40,000 | 25,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,084,000 | 83,073,000 | 85,136,000 | 80,589,000 |
| Interest-bearing deposits | 64,419,000 | 61,395,000 | 62,719,000 | 59,305,000 |
| Noninterest-bearing deposits | 21,665,000 | 21,678,000 | 22,418,000 | 21,284,000 |
| Equity capital | 12,280,000 | 12,413,000 | 12,610,000 | 12,876,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,180,000 | 2,297,000 | 3,397,000 | 4,522,000 |
| Interest expense | 209,000 | 390,000 | 562,000 | 707,000 |
| Net interest income | 971,000 | 1,907,000 | 2,835,000 | 3,815,000 |
| Noninterest income | 96,000 | 181,000 | 270,000 | 372,000 |
| Noninterest expense | 583,000 | 1,263,000 | 1,898,000 | 2,672,000 |
| Provision for loan losses | 225,000 | 450,000 | 675,000 | 675,000 |
| Pretax income | 259,000 | 375,000 | 532,000 | 840,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 259,000 | 375,000 | 532,000 | 840,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,197,000 | 12,313,000 | 12,470,000 | 12,779,000 |
| Total capital | 12,971,000 | 13,042,000 | 13,204,000 | 13,472,000 |
| Risk-weighted assets | 60,521,000 | 57,017,000 | 57,322,000 | 54,113,000 |