Call reports 2002
WHITESVILLE STATE BANK — 2002
What WHITESVILLE STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 59,693,000 | 61,188,000 | 60,746,000 | 58,945,000 |
| Total loans | 23,601,000 | 22,955,000 | 22,536,000 | 22,644,000 |
| Allowance for loan losses | 509,000 | 409,000 | 394,000 | 393,000 |
| Securities available for sale | 24,719,000 | 25,485,000 | 25,719,000 | 28,887,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,835,000 | 53,895,000 | 53,421,000 | 51,546,000 |
| Interest-bearing deposits | 40,785,000 | 40,469,000 | 40,928,000 | 40,196,000 |
| Noninterest-bearing deposits | 12,050,000 | 13,426,000 | 12,493,000 | 11,350,000 |
| Equity capital | 6,449,000 | 6,820,000 | 6,815,000 | 6,912,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 918,000 | 1,801,000 | 2,654,000 | 3,476,000 |
| Interest expense | 276,000 | 538,000 | 794,000 | 988,000 |
| Net interest income | 642,000 | 1,263,000 | 1,860,000 | 2,488,000 |
| Noninterest income | 82,000 | 171,000 | 272,000 | 366,000 |
| Noninterest expense | 506,000 | 1,039,000 | 1,637,000 | 2,258,000 |
| Provision for loan losses | 91,000 | 134,000 | 134,000 | 137,000 |
| Pretax income | 127,000 | 294,000 | 394,000 | 492,000 |
| Income tax | 62,000 | 142,000 | 182,000 | 159,000 |
| Net income | 65,000 | 152,000 | 212,000 | 333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,507,000 | 6,527,000 | 6,514,000 | 6,566,000 |
| Total capital | 6,925,000 | 6,936,000 | 6,908,000 | 6,951,000 |
| Risk-weighted assets | 33,311,000 | 33,403,000 | 32,192,000 | 30,816,000 |