Call reports 2016
WHEELER COUNTY STATE BANK — 2016
What WHEELER COUNTY STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 88,487,000 | 102,362,000 | 97,979,000 | 99,188,000 |
| Total loans | 60,296,000 | 56,705,000 | 58,106,000 | 62,089,000 |
| Allowance for loan losses | 1,285,000 | 1,332,000 | 1,344,000 | 1,371,000 |
| Securities available for sale | 10,066,000 | 9,135,000 | 9,360,000 | 9,045,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,061,000 | 88,585,000 | 83,931,000 | 85,164,000 |
| Interest-bearing deposits | 53,806,000 | 54,382,000 | 60,672,000 | 60,272,000 |
| Noninterest-bearing deposits | 21,256,000 | 34,203,000 | 23,259,000 | 24,892,000 |
| Equity capital | 13,247,000 | 13,568,000 | 13,861,000 | 13,850,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 953,000 | 1,894,000 | 2,856,000 | 3,771,000 |
| Interest expense | 70,000 | 136,000 | 213,000 | 291,000 |
| Net interest income | 883,000 | 1,758,000 | 2,643,000 | 3,480,000 |
| Noninterest income | 91,000 | 218,000 | 351,000 | 482,000 |
| Noninterest expense | 695,000 | 1,381,000 | 2,108,000 | 2,948,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 280,000 | 616,000 | 921,000 | 1,049,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 280,000 | 616,000 | 921,000 | 1,049,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,134,000 | 13,470,000 | 13,775,000 | 13,903,000 |
| Total capital | 13,873,000 | 14,291,000 | 14,602,000 | 14,754,000 |
| Risk-weighted assets | 58,574,000 | 65,152,000 | 65,619,000 | 67,583,000 |