Call reports 2001
WHITESVILLE STATE BANK — 2001
What WHITESVILLE STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 54,683,000 | 56,001,000 | 58,770,000 | 58,946,000 |
| Total loans | 27,653,000 | 26,576,000 | 25,325,000 | 24,485,000 |
| Allowance for loan losses | 420,000 | 484,000 | 457,000 | 431,000 |
| Securities available for sale | 16,935,000 | 18,877,000 | 23,544,000 | 24,680,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,753,000 | 48,978,000 | 51,358,000 | 51,705,000 |
| Interest-bearing deposits | 36,944,000 | 37,749,000 | 39,073,000 | 40,106,000 |
| Noninterest-bearing deposits | 10,809,000 | 11,229,000 | 12,285,000 | 11,599,000 |
| Equity capital | 6,505,000 | 6,589,000 | 6,857,000 | 6,704,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,032,000 | 2,064,000 | 3,061,000 | 4,041,000 |
| Interest expense | 350,000 | 707,000 | 1,047,000 | 1,361,000 |
| Net interest income | 682,000 | 1,357,000 | 2,014,000 | 2,680,000 |
| Noninterest income | 91,000 | 190,000 | 325,000 | 417,000 |
| Noninterest expense | 559,000 | 1,069,000 | 1,700,000 | 2,230,000 |
| Provision for loan losses | 296,000 | 388,000 | 402,000 | 537,000 |
| Pretax income | -68,000 | 127,000 | 390,000 | 486,000 |
| Income tax | 52,000 | 88,000 | 134,000 | 195,000 |
| Net income | -120,000 | 39,000 | 256,000 | 291,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,361,000 | 6,447,000 | 6,566,000 | 6,517,000 |
| Total capital | 6,724,000 | 6,804,000 | 6,978,000 | 6,942,000 |
| Risk-weighted assets | 29,337,000 | 28,447,000 | 32,914,000 | 33,984,000 |