Call reports 2006
WELCH STATE BANK OF WELCH, OKLA. — 2006
What WELCH STATE BANK OF WELCH, OKLA. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 149,888,000 | 155,696,000 | 156,869,000 | 154,999,000 |
| Total loans | 115,260,000 | 118,450,000 | 123,086,000 | 124,661,000 |
| Allowance for loan losses | 1,968,000 | 1,967,000 | 2,062,000 | 2,077,000 |
| Securities available for sale | 21,711,000 | 22,408,000 | 22,840,000 | 21,980,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,990,000 | 118,042,000 | 118,645,000 | 118,166,000 |
| Interest-bearing deposits | 112,348,000 | 112,657,000 | 114,128,000 | 113,660,000 |
| Noninterest-bearing deposits | 4,642,000 | 5,385,000 | 4,517,000 | 4,506,000 |
| Equity capital | 11,691,000 | 11,802,000 | 12,584,000 | 12,783,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,631,000 | 5,350,000 | 8,242,000 | 11,160,000 |
| Interest expense | 1,151,000 | 2,390,000 | 3,761,000 | 5,182,000 |
| Net interest income | 1,480,000 | 2,960,000 | 4,481,000 | 5,978,000 |
| Noninterest income | 274,000 | 626,000 | 935,000 | 1,245,000 |
| Noninterest expense | 963,000 | 2,085,000 | 3,078,000 | 4,195,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 716,000 | 1,351,000 | 2,113,000 | 2,734,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 716,000 | 1,351,000 | 2,113,000 | 2,734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,700,000 | 12,036,000 | 12,498,000 | 12,669,000 |
| Total capital | 13,129,000 | 13,516,000 | 14,023,000 | 14,198,000 |
| Risk-weighted assets | 113,745,000 | 117,897,000 | 121,496,000 | 121,780,000 |