Call reports 2016
WELCH STATE BANK OF WELCH, OKLA. — 2016
What WELCH STATE BANK OF WELCH, OKLA. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 236,263,000 | 240,685,000 | 251,810,000 | 257,217,000 |
| Total loans | 177,052,000 | 179,948,000 | 180,905,000 | 182,052,000 |
| Allowance for loan losses | 3,793,000 | 3,674,000 | 3,683,000 | 3,513,000 |
| Securities available for sale | 43,631,000 | 45,400,000 | 44,003,000 | 48,013,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,621,000 | 204,276,000 | 217,631,000 | 224,678,000 |
| Interest-bearing deposits | 189,629,000 | 191,884,000 | 203,693,000 | 212,374,000 |
| Noninterest-bearing deposits | 12,992,000 | 12,392,000 | 13,939,000 | 12,304,000 |
| Equity capital | 31,981,000 | 33,233,000 | 32,281,000 | 31,053,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,829,000 | 5,715,000 | 8,763,000 | 11,727,000 |
| Interest expense | 230,000 | 483,000 | 752,000 | 1,039,000 |
| Net interest income | 2,599,000 | 5,232,000 | 8,011,000 | 10,688,000 |
| Noninterest income | 483,000 | 992,000 | 1,501,000 | 2,007,000 |
| Noninterest expense | 1,887,000 | 4,088,000 | 6,080,000 | 8,100,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 1,110,000 | 1,994,000 | 3,205,000 | 4,295,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,110,000 | 1,994,000 | 3,205,000 | 4,295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,672,000 | 31,156,000 | 30,587,000 | 30,587,000 |
| Total capital | 33,018,000 | 33,660,000 | 33,047,000 | 33,060,000 |
| Risk-weighted assets | 186,259,000 | 199,182,000 | 195,564,000 | 196,769,000 |