Call reports 2006
WHITESVILLE STATE BANK — 2006
What WHITESVILLE STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 59,332,000 | 61,190,000 | 57,686,000 | 58,048,000 |
| Total loans | 35,063,000 | 33,925,000 | 32,781,000 | 31,346,000 |
| Allowance for loan losses | 248,000 | 352,000 | 469,000 | 555,000 |
| Securities available for sale | 16,301,000 | 15,683,000 | 15,468,000 | 16,940,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,675,000 | 53,271,000 | 51,243,000 | 51,382,000 |
| Interest-bearing deposits | 37,576,000 | 38,103,000 | 36,660,000 | 36,553,000 |
| Noninterest-bearing deposits | 15,099,000 | 15,168,000 | 14,583,000 | 14,829,000 |
| Equity capital | 6,237,000 | 6,177,000 | 5,986,000 | 6,195,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 926,000 | 1,880,000 | 2,817,000 | 3,757,000 |
| Interest expense | 147,000 | 321,000 | 503,000 | 703,000 |
| Net interest income | 779,000 | 1,559,000 | 2,314,000 | 3,054,000 |
| Noninterest income | 195,000 | 421,000 | 635,000 | 697,000 |
| Noninterest expense | 645,000 | 1,297,000 | 2,240,000 | 2,738,000 |
| Provision for loan losses | 40,000 | 214,000 | 398,000 | 429,000 |
| Pretax income | 290,000 | 471,000 | 314,000 | 588,000 |
| Income tax | 86,000 | 173,000 | 259,000 | 278,000 |
| Net income | 204,000 | 298,000 | 55,000 | 310,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,407,000 | 6,389,000 | 6,072,000 | 6,296,000 |
| Total capital | 6,655,000 | 6,741,000 | 6,541,000 | 6,746,000 |
| Risk-weighted assets | 38,738,000 | 40,408,000 | 38,098,000 | 35,944,000 |