Call reports 2015
WELCH STATE BANK OF WELCH, OKLA. — 2015
What WELCH STATE BANK OF WELCH, OKLA. 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 | 225,311,000 | 228,306,000 | 228,916,000 | 227,030,000 |
| Total loans | 162,536,000 | 166,759,000 | 172,078,000 | 171,628,000 |
| Allowance for loan losses | 3,649,000 | 3,711,000 | 3,754,000 | 3,757,000 |
| Securities available for sale | 47,801,000 | 49,182,000 | 44,603,000 | 43,724,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,293,000 | 192,263,000 | 192,099,000 | 187,959,000 |
| Interest-bearing deposits | 177,223,000 | 178,665,000 | 178,087,000 | 176,224,000 |
| Noninterest-bearing deposits | 16,070,000 | 13,597,000 | 14,012,000 | 11,734,000 |
| Equity capital | 30,319,000 | 30,154,000 | 31,252,000 | 31,175,000 |
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 | 2,601,000 | 5,346,000 | 8,128,000 | 10,940,000 |
| Interest expense | 163,000 | 329,000 | 519,000 | 733,000 |
| Net interest income | 2,438,000 | 5,017,000 | 7,609,000 | 10,207,000 |
| Noninterest income | 467,000 | 946,000 | 1,459,000 | 1,963,000 |
| Noninterest expense | 1,751,000 | 3,675,000 | 5,536,000 | 7,596,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 1,133,000 | 2,195,000 | 3,439,000 | 4,394,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,133,000 | 2,195,000 | 3,439,000 | 4,394,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,769,000 | 29,432,000 | 30,275,000 | 29,962,000 |
| Total capital | 29,899,000 | 31,802,000 | 32,495,000 | 32,215,000 |
| Risk-weighted assets | 168,884,000 | 188,297,000 | 176,074,000 | 178,772,000 |