Call reports 2009
WHITESVILLE STATE BANK — 2009
What WHITESVILLE STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 64,972,000 | 65,116,000 | 67,617,000 | 67,963,000 |
| Total loans | 24,993,000 | 24,402,000 | 24,468,000 | 23,966,000 |
| Allowance for loan losses | 553,000 | 491,000 | 486,000 | 487,000 |
| Securities available for sale | 34,336,000 | 31,672,000 | 30,933,000 | 34,871,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,703,000 | 56,588,000 | 59,664,000 | 60,564,000 |
| Interest-bearing deposits | 39,696,000 | 40,652,000 | 43,198,000 | 44,453,000 |
| Noninterest-bearing deposits | 17,007,000 | 15,936,000 | 16,466,000 | 16,111,000 |
| Equity capital | 7,142,000 | 7,041,000 | 7,314,000 | 6,931,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 852,000 | 1,680,000 | 2,473,000 | 3,255,000 |
| Interest expense | 148,000 | 286,000 | 427,000 | 562,000 |
| Net interest income | 704,000 | 1,394,000 | 2,046,000 | 2,693,000 |
| Noninterest income | 201,000 | 406,000 | 622,000 | 825,000 |
| Noninterest expense | 781,000 | 1,574,000 | 2,383,000 | 3,225,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 10,000 |
| Pretax income | 157,000 | 325,000 | 386,000 | 398,000 |
| Income tax | 58,000 | 70,000 | 119,000 | 45,000 |
| Net income | 99,000 | 255,000 | 267,000 | 353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,954,000 | 7,037,000 | 6,986,000 | 6,992,000 |
| Total capital | 7,388,000 | 7,480,000 | 7,443,000 | 7,445,000 |
| Risk-weighted assets | 34,590,000 | 35,403,000 | 36,562,000 | 36,220,000 |