Call reports 2014
WHEELER COUNTY STATE BANK — 2014
What WHEELER COUNTY STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 90,008,000 | 88,435,000 | 85,009,000 | 86,504,000 |
| Total loans | 58,265,000 | 61,265,000 | 61,683,000 | 61,602,000 |
| Allowance for loan losses | 1,657,000 | 1,411,000 | 1,292,000 | 1,269,000 |
| Securities available for sale | 12,033,000 | 10,387,000 | 10,476,000 | 10,323,000 |
| Securities held to maturity | 5,000 | 5,000 | 5,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,108,000 | 76,115,000 | 72,514,000 | 73,804,000 |
| Interest-bearing deposits | 57,497,000 | 56,476,000 | 54,993,000 | 54,124,000 |
| Noninterest-bearing deposits | 20,610,000 | 19,639,000 | 17,522,000 | 19,679,000 |
| Equity capital | 11,583,000 | 11,976,000 | 12,153,000 | 12,432,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 939,000 | 1,917,000 | 2,906,000 | 3,886,000 |
| Interest expense | 76,000 | 160,000 | 246,000 | 330,000 |
| Net interest income | 863,000 | 1,757,000 | 2,660,000 | 3,556,000 |
| Noninterest income | 127,000 | 254,000 | 369,000 | 546,000 |
| Noninterest expense | 778,000 | 1,517,000 | 2,301,000 | 3,116,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 40,000 |
| Pretax income | 212,000 | 512,000 | 736,000 | 964,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 212,000 | 512,000 | 736,000 | 964,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,672,000 | 11,971,000 | 12,147,000 | 12,374,000 |
| Total capital | 12,398,000 | 12,722,000 | 12,885,000 | 13,122,000 |
| Risk-weighted assets | 57,154,000 | 59,382,000 | 58,475,000 | 59,329,000 |