Call reports 2003
WHITESVILLE STATE BANK — 2003
What WHITESVILLE STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 59,777,000 | 60,736,000 | 59,068,000 | 60,398,000 |
| Total loans | 21,800,000 | 21,888,000 | 22,070,000 | 22,151,000 |
| Allowance for loan losses | 340,000 | 223,000 | 239,000 | 245,000 |
| Securities available for sale | 25,480,000 | 27,592,000 | 28,815,000 | 28,751,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,493,000 | 53,327,000 | 51,971,000 | 53,320,000 |
| Interest-bearing deposits | 40,044,000 | 40,174,000 | 39,630,000 | 39,652,000 |
| Noninterest-bearing deposits | 12,449,000 | 13,153,000 | 12,341,000 | 13,668,000 |
| Equity capital | 6,861,000 | 6,933,000 | 6,743,000 | 6,845,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 766,000 | 1,497,000 | 2,185,000 | 2,892,000 |
| Interest expense | 175,000 | 335,000 | 470,000 | 599,000 |
| Net interest income | 591,000 | 1,162,000 | 1,715,000 | 2,293,000 |
| Noninterest income | 102,000 | 214,000 | 326,000 | 425,000 |
| Noninterest expense | 532,000 | 1,133,000 | 1,805,000 | 2,367,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 66,000 |
| Pretax income | 179,000 | 261,000 | 433,000 | 508,000 |
| Income tax | 60,000 | 120,000 | 180,000 | 95,000 |
| Net income | 119,000 | 141,000 | 253,000 | 413,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,611,000 | 6,555,000 | 6,591,000 | 6,675,000 |
| Total capital | 6,951,000 | 6,778,000 | 6,830,000 | 6,920,000 |
| Risk-weighted assets | 29,876,000 | 30,447,000 | 30,397,000 | 32,690,000 |