Call reports 2008
WHITESVILLE STATE BANK — 2008
What WHITESVILLE STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 64,251,000 | 64,277,000 | 63,542,000 | 63,774,000 |
| Total loans | 28,294,000 | 27,674,000 | 26,672,000 | 25,748,000 |
| Allowance for loan losses | 552,000 | 538,000 | 548,000 | 551,000 |
| Securities available for sale | 27,526,000 | 30,847,000 | 29,757,000 | 29,626,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,268,000 | 56,857,000 | 56,048,000 | 55,955,000 |
| Interest-bearing deposits | 40,420,000 | 40,802,000 | 40,329,000 | 39,196,000 |
| Noninterest-bearing deposits | 15,848,000 | 16,055,000 | 15,719,000 | 16,759,000 |
| Equity capital | 7,162,000 | 6,865,000 | 6,936,000 | 7,218,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 944,000 | 1,885,000 | 2,827,000 | 3,727,000 |
| Interest expense | 228,000 | 433,000 | 623,000 | 808,000 |
| Net interest income | 716,000 | 1,452,000 | 2,204,000 | 2,919,000 |
| Noninterest income | 215,000 | 700,000 | 912,000 | 1,051,000 |
| Noninterest expense | 762,000 | 1,464,000 | 2,268,000 | 3,004,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 142,000 | 636,000 | 820,000 | 969,000 |
| Income tax | 48,000 | 226,000 | 280,000 | 360,000 |
| Net income | 94,000 | 410,000 | 540,000 | 609,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,631,000 | 6,872,000 | 6,921,000 | 6,919,000 |
| Total capital | 7,088,000 | 7,293,000 | 7,348,000 | 7,347,000 |
| Risk-weighted assets | 36,438,000 | 33,595,000 | 34,050,000 | 34,078,000 |