Call reports 2007
WHITESVILLE STATE BANK — 2007
What WHITESVILLE STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 60,279,000 | 59,199,000 | 59,829,000 | 59,816,000 |
| Total loans | 30,233,000 | 29,484,000 | 29,436,000 | 29,179,000 |
| Allowance for loan losses | 514,000 | 549,000 | 540,000 | 538,000 |
| Securities available for sale | 18,646,000 | 20,659,000 | 22,427,000 | 23,787,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,553,000 | 52,637,000 | 52,620,000 | 52,136,000 |
| Interest-bearing deposits | 37,739,000 | 36,989,000 | 37,526,000 | 37,839,000 |
| Noninterest-bearing deposits | 15,814,000 | 15,648,000 | 15,094,000 | 14,297,000 |
| Equity capital | 6,160,000 | 6,113,000 | 6,500,000 | 6,866,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 924,000 | 1,877,000 | 2,823,000 | 3,823,000 |
| Interest expense | 195,000 | 402,000 | 621,000 | 846,000 |
| Net interest income | 729,000 | 1,475,000 | 2,202,000 | 2,977,000 |
| Noninterest income | 124,000 | 319,000 | 560,000 | 750,000 |
| Noninterest expense | 764,000 | 1,450,000 | 2,088,000 | 2,779,000 |
| Provision for loan losses | 0 | 39,000 | 58,000 | 58,000 |
| Pretax income | 90,000 | 307,000 | 620,000 | 896,000 |
| Income tax | 86,000 | 115,000 | 203,000 | 268,000 |
| Net income | 4,000 | 192,000 | 417,000 | 628,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,201,000 | 6,307,000 | 6,463,000 | 6,603,000 |
| Total capital | 6,663,000 | 6,757,000 | 6,915,000 | 7,040,000 |
| Risk-weighted assets | 36,875,000 | 35,912,000 | 36,094,000 | 34,828,000 |