Call reports 2015
WELCOME STATE BANK — 2015
What WELCOME 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 | 26,350,000 | 25,836,000 | 25,479,000 | 28,247,000 |
| Total loans | 16,994,000 | 17,599,000 | 18,506,000 | 18,075,000 |
| Allowance for loan losses | 344,000 | 333,000 | 346,000 | 280,000 |
| Securities available for sale | 1,572,000 | 1,560,000 | 1,464,000 | 1,460,000 |
| Securities held to maturity | 485,000 | 483,000 | 444,000 | 443,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,412,000 | 21,040,000 | 20,433,000 | 23,849,000 |
| Interest-bearing deposits | 16,544,000 | 16,479,000 | 16,195,000 | 17,572,000 |
| Noninterest-bearing deposits | 4,868,000 | 4,561,000 | 4,238,000 | 6,277,000 |
| Equity capital | 2,646,000 | 2,687,000 | 2,803,000 | 2,771,000 |
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 | 249,000 | 510,000 | 774,000 | 1,030,000 |
| Interest expense | 17,000 | 34,000 | 50,000 | 67,000 |
| Net interest income | 232,000 | 476,000 | 724,000 | 963,000 |
| Noninterest income | 106,000 | 224,000 | 311,000 | 411,000 |
| Noninterest expense | 187,000 | 357,000 | 516,000 | 819,000 |
| Provision for loan losses | 9,000 | 30,000 | 36,000 | 36,000 |
| Pretax income | 142,000 | 313,000 | 483,000 | 519,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 141,000 | 312,000 | 482,000 | 518,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,618,000 | 2,670,000 | 2,781,000 | 2,753,000 |
| Total capital | 2,841,000 | 2,898,000 | 3,016,000 | 3,002,000 |
| Risk-weighted assets | 17,736,000 | 18,125,000 | 18,692,000 | 19,912,000 |