Call reports 2005
WELCOME STATE BANK — 2005
What WELCOME STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 17,270,000 | 17,037,000 | 17,295,000 | 17,864,000 |
| Total loans | 12,318,000 | 13,108,000 | 13,259,000 | 12,402,000 |
| Allowance for loan losses | 210,000 | 232,000 | 275,000 | 261,000 |
| Securities available for sale | 1,403,000 | 1,408,000 | 1,520,000 | 1,467,000 |
| Securities held to maturity | 525,000 | 525,000 | 524,000 | 523,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,529,000 | 13,715,000 | 14,743,000 | 15,340,000 |
| Interest-bearing deposits | 11,339,000 | 10,635,000 | 11,052,000 | 11,550,000 |
| Noninterest-bearing deposits | 3,190,000 | 3,080,000 | 3,691,000 | 3,790,000 |
| Equity capital | 1,684,000 | 1,736,000 | 1,802,000 | 1,820,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 231,000 | 482,000 | 738,000 | 995,000 |
| Interest expense | 49,000 | 101,000 | 163,000 | 228,000 |
| Net interest income | 182,000 | 381,000 | 575,000 | 767,000 |
| Noninterest income | 50,000 | 109,000 | 156,000 | 221,000 |
| Noninterest expense | 135,000 | 255,000 | 378,000 | 586,000 |
| Provision for loan losses | 9,000 | 18,000 | 24,000 | 24,000 |
| Pretax income | 88,000 | 217,000 | 329,000 | 378,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 88,000 | 217,000 | 329,000 | 378,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,695,000 | 1,742,000 | 1,809,000 | 1,829,000 |
| Total capital | 1,860,000 | 1,918,000 | 1,985,000 | 1,996,000 |
| Risk-weighted assets | 13,348,000 | 14,162,000 | 14,216,000 | 13,565,000 |