Call reports 2015
WHEELER COUNTY STATE BANK — 2015
What WHEELER COUNTY STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 89,221,000 | 91,745,000 | 89,261,000 | 87,862,000 |
| Total loans | 61,229,000 | 61,038,000 | 60,939,000 | 58,066,000 |
| Allowance for loan losses | 1,301,000 | 1,252,000 | 1,266,000 | 1,326,000 |
| Securities available for sale | 12,933,000 | 11,989,000 | 11,629,000 | 11,417,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,277,000 | 78,580,000 | 75,894,000 | 74,702,000 |
| Interest-bearing deposits | 57,285,000 | 57,464,000 | 56,897,000 | 55,020,000 |
| Noninterest-bearing deposits | 18,992,000 | 21,116,000 | 18,997,000 | 19,682,000 |
| Equity capital | 12,710,000 | 12,904,000 | 13,112,000 | 12,920,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 973,000 | 1,957,000 | 2,927,000 | 3,916,000 |
| Interest expense | 77,000 | 156,000 | 233,000 | 306,000 |
| Net interest income | 896,000 | 1,801,000 | 2,694,000 | 3,610,000 |
| Noninterest income | 90,000 | 199,000 | 285,000 | 426,000 |
| Noninterest expense | 764,000 | 1,509,000 | 2,334,000 | 3,171,000 |
| Provision for loan losses | 30,000 | 30,000 | 40,000 | 40,000 |
| Pretax income | 193,000 | 465,000 | 610,000 | 829,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 193,000 | 465,000 | 610,000 | 829,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,567,000 | 12,840,000 | 12,985,000 | 12,854,000 |
| Total capital | 13,352,000 | 13,597,000 | 13,735,000 | 13,566,000 |
| Risk-weighted assets | 62,352,000 | 60,099,000 | 59,509,000 | 56,386,000 |