Call reports 2013
WHEELER COUNTY STATE BANK — 2013
What WHEELER COUNTY STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 93,213,000 | 89,554,000 | 87,229,000 | 85,161,000 |
| Total loans | 56,382,000 | 57,839,000 | 57,526,000 | 57,392,000 |
| Allowance for loan losses | 2,028,000 | 1,886,000 | 1,847,000 | 1,795,000 |
| Securities available for sale | 10,780,000 | 9,105,000 | 9,186,000 | 9,911,000 |
| Securities held to maturity | 25,000 | 25,000 | 25,000 | 5,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,107,000 | 76,446,000 | 73,906,000 | 72,965,000 |
| Interest-bearing deposits | 60,743,000 | 58,098,000 | 54,688,000 | 55,929,000 |
| Noninterest-bearing deposits | 19,364,000 | 18,348,000 | 19,219,000 | 17,036,000 |
| Equity capital | 12,876,000 | 12,898,000 | 13,131,000 | 11,875,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 965,000 | 1,944,000 | 2,908,000 | 3,892,000 |
| Interest expense | 99,000 | 187,000 | 263,000 | 336,000 |
| Net interest income | 866,000 | 1,757,000 | 2,645,000 | 3,556,000 |
| Noninterest income | 98,000 | 200,000 | 296,000 | 467,000 |
| Noninterest expense | 731,000 | 1,475,000 | 2,221,000 | 3,021,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 233,000 | 482,000 | 720,000 | 1,002,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 233,000 | 482,000 | 720,000 | 1,002,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,772,000 | 12,997,000 | 13,235,000 | 12,017,000 |
| Total capital | 13,463,000 | 13,692,000 | 13,941,000 | 12,713,000 |
| Risk-weighted assets | 53,925,000 | 54,407,000 | 55,349,000 | 54,611,000 |