Call reports 2005
WHITESVILLE STATE BANK — 2005
What WHITESVILLE STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 59,404,000 | 59,404,000 | 58,056,000 | 58,044,000 |
| Total loans | 26,832,000 | 30,073,000 | 32,776,000 | 35,262,000 |
| Allowance for loan losses | 182,000 | 283,000 | 260,000 | 341,000 |
| Securities available for sale | 24,878,000 | 24,282,000 | 18,769,000 | 16,873,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,859,000 | 52,870,000 | 51,432,000 | 51,457,000 |
| Interest-bearing deposits | 37,987,000 | 34,989,000 | 34,690,000 | 37,096,000 |
| Noninterest-bearing deposits | 14,872,000 | 17,881,000 | 16,742,000 | 14,361,000 |
| Equity capital | 6,201,000 | 6,257,000 | 6,293,000 | 6,135,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 749,000 | 1,580,000 | 2,448,000 | 3,365,000 |
| Interest expense | 97,000 | 204,000 | 325,000 | 452,000 |
| Net interest income | 652,000 | 1,376,000 | 2,123,000 | 2,913,000 |
| Noninterest income | 126,000 | 299,000 | 508,000 | 743,000 |
| Noninterest expense | 591,000 | 1,257,000 | 1,994,000 | 2,786,000 |
| Provision for loan losses | 3,000 | 145,000 | 147,000 | 249,000 |
| Pretax income | 188,000 | 280,000 | 500,000 | 622,000 |
| Income tax | 40,000 | 120,000 | 180,000 | 232,000 |
| Net income | 148,000 | 160,000 | 320,000 | 390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,331,000 | 6,262,000 | 6,344,000 | 6,284,000 |
| Total capital | 6,513,000 | 6,545,000 | 6,604,000 | 6,625,000 |
| Risk-weighted assets | 33,581,000 | 33,822,000 | 36,650,000 | 37,183,000 |