Call reports 2005
WELCH STATE BANK OF WELCH, OKLA. — 2005
What WELCH STATE BANK OF WELCH, OKLA. 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 | 133,591,000 | 138,602,000 | 141,585,000 | 146,837,000 |
| Total loans | 104,643,000 | 109,954,000 | 112,943,000 | 113,747,000 |
| Allowance for loan losses | 1,703,000 | 1,779,000 | 1,953,000 | 1,957,000 |
| Securities available for sale | 20,242,000 | 21,268,000 | 20,659,000 | 20,549,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,734,000 | 105,715,000 | 107,808,000 | 114,051,000 |
| Interest-bearing deposits | 99,558,000 | 101,360,000 | 103,579,000 | 107,755,000 |
| Noninterest-bearing deposits | 4,176,000 | 4,355,000 | 4,229,000 | 6,296,000 |
| Equity capital | 10,445,000 | 11,069,000 | 11,465,000 | 11,330,000 |
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 | 2,189,000 | 4,553,000 | 7,015,000 | 9,547,000 |
| Interest expense | 773,000 | 1,674,000 | 2,668,000 | 3,746,000 |
| Net interest income | 1,416,000 | 2,879,000 | 4,347,000 | 5,801,000 |
| Noninterest income | 295,000 | 547,000 | 838,000 | 1,128,000 |
| Noninterest expense | 966,000 | 1,936,000 | 2,908,000 | 3,974,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 674,000 | 1,344,000 | 2,056,000 | 2,657,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 674,000 | 1,344,000 | 2,056,000 | 2,657,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,459,000 | 10,879,000 | 11,341,000 | 11,342,000 |
| Total capital | 11,765,000 | 12,242,000 | 12,732,000 | 12,757,000 |
| Risk-weighted assets | 104,102,000 | 108,655,000 | 110,969,000 | 112,697,000 |