Call reports 2004
WHITESVILLE STATE BANK — 2004
What WHITESVILLE STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 59,098,000 | 59,077,000 | 57,512,000 | 57,650,000 |
| Total loans | 22,211,000 | 23,178,000 | 24,650,000 | 25,979,000 |
| Allowance for loan losses | 241,000 | 267,000 | 267,000 | 215,000 |
| Securities available for sale | 29,043,000 | 27,187,000 | 23,299,000 | 23,152,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,850,000 | 52,274,000 | 50,426,000 | 51,076,000 |
| Interest-bearing deposits | 38,799,000 | 37,817,000 | 37,345,000 | 37,435,000 |
| Noninterest-bearing deposits | 13,051,000 | 14,457,000 | 13,081,000 | 13,641,000 |
| Equity capital | 6,930,000 | 6,580,000 | 6,757,000 | 6,274,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 676,000 | 1,365,000 | 2,066,000 | 2,792,000 |
| Interest expense | 120,000 | 222,000 | 326,000 | 421,000 |
| Net interest income | 556,000 | 1,143,000 | 1,740,000 | 2,371,000 |
| Noninterest income | 97,000 | 215,000 | 393,000 | 530,000 |
| Noninterest expense | 511,000 | 1,053,000 | 1,730,000 | 3,068,000 |
| Provision for loan losses | 0 | 35,000 | 35,000 | 77,000 |
| Pretax income | 154,000 | 284,000 | 389,000 | -220,000 |
| Income tax | 60,000 | 120,000 | 180,000 | -96,000 |
| Net income | 94,000 | 164,000 | 209,000 | -124,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,695,000 | 6,681,000 | 6,654,000 | 6,253,000 |
| Total capital | 6,936,000 | 6,948,000 | 6,921,000 | 6,468,000 |
| Risk-weighted assets | 29,833,000 | 31,824,000 | 33,109,000 | 31,417,000 |