Call reports 2012
WELCOME STATE BANK — 2012
What WELCOME STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 23,393,000 | 25,271,000 | 25,145,000 | 27,250,000 |
| Total loans | 15,210,000 | 15,429,000 | 15,474,000 | 16,848,000 |
| Allowance for loan losses | 300,000 | 305,000 | 324,000 | 328,000 |
| Securities available for sale | 2,098,000 | 1,998,000 | 1,996,000 | 1,990,000 |
| Securities held to maturity | 218,000 | 216,000 | 468,000 | 466,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,502,000 | 20,542,000 | 20,539,000 | 22,270,000 |
| Interest-bearing deposits | 14,417,000 | 14,726,000 | 15,045,000 | 16,703,000 |
| Noninterest-bearing deposits | 4,085,000 | 5,816,000 | 5,494,000 | 5,567,000 |
| Equity capital | 2,374,000 | 2,402,000 | 2,471,000 | 2,500,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 240,000 | 481,000 | 722,000 | 968,000 |
| Interest expense | 29,000 | 58,000 | 83,000 | 108,000 |
| Net interest income | 211,000 | 423,000 | 639,000 | 860,000 |
| Noninterest income | 83,000 | 163,000 | 242,000 | 338,000 |
| Noninterest expense | 172,000 | 332,000 | 499,000 | 750,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 30,000 |
| Pretax income | 113,000 | 236,000 | 355,000 | 418,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 113,000 | 236,000 | 355,000 | 418,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,319,000 | 2,346,000 | 2,417,000 | 2,452,000 |
| Total capital | 2,524,000 | 2,555,000 | 2,625,000 | 2,678,000 |
| Risk-weighted assets | 19,548,000 | 16,886,000 | 16,798,000 | 18,274,000 |