Call reports 2009
WELCOME STATE BANK — 2009
What WELCOME STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 19,461,000 | 19,583,000 | 20,381,000 | 20,859,000 |
| Total loans | 14,949,000 | 15,149,000 | 15,112,000 | 15,020,000 |
| Allowance for loan losses | 308,000 | 318,000 | 328,000 | 332,000 |
| Securities available for sale | 1,297,000 | 1,300,000 | 1,651,000 | 1,506,000 |
| Securities held to maturity | 415,000 | 414,000 | 412,000 | 411,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,381,000 | 16,471,000 | 16,983,000 | 17,461,000 |
| Interest-bearing deposits | 12,422,000 | 12,683,000 | 13,380,000 | 13,365,000 |
| Noninterest-bearing deposits | 3,959,000 | 3,788,000 | 3,603,000 | 4,096,000 |
| Equity capital | 2,060,000 | 2,097,000 | 2,213,000 | 2,227,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 269,000 | 538,000 | 809,000 | 1,073,000 |
| Interest expense | 60,000 | 121,000 | 180,000 | 240,000 |
| Net interest income | 209,000 | 417,000 | 629,000 | 833,000 |
| Noninterest income | 60,000 | 127,000 | 203,000 | 298,000 |
| Noninterest expense | 160,000 | 303,000 | 440,000 | 686,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 30,000 |
| Pretax income | 100,000 | 223,000 | 365,000 | 415,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 100,000 | 223,000 | 365,000 | 415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,017,000 | 2,054,000 | 2,152,000 | 2,170,000 |
| Total capital | 2,214,000 | 2,252,000 | 2,354,000 | 2,371,000 |
| Risk-weighted assets | 16,431,000 | 16,173,000 | 18,188,000 | 18,637,000 |