Call reports 2010
WHITESVILLE STATE BANK — 2010
What WHITESVILLE STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 72,802,000 | 72,252,000 | 72,976,000 | 72,299,000 |
| Total loans | 23,503,000 | 24,457,000 | 25,121,000 | 26,290,000 |
| Allowance for loan losses | 468,000 | 466,000 | 386,000 | 421,000 |
| Securities available for sale | 39,697,000 | 35,234,000 | 33,003,000 | 33,065,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,170,000 | 63,831,000 | 64,372,000 | 64,612,000 |
| Interest-bearing deposits | 45,357,000 | 46,418,000 | 46,563,000 | 46,576,000 |
| Noninterest-bearing deposits | 18,813,000 | 17,413,000 | 17,809,000 | 18,036,000 |
| Equity capital | 7,266,000 | 7,497,000 | 7,621,000 | 7,300,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 712,000 | 1,389,000 | 2,070,000 | 2,749,000 |
| Interest expense | 131,000 | 254,000 | 376,000 | 495,000 |
| Net interest income | 581,000 | 1,135,000 | 1,694,000 | 2,254,000 |
| Noninterest income | 185,000 | 632,000 | 869,000 | 1,093,000 |
| Noninterest expense | 720,000 | 1,463,000 | 2,248,000 | 3,015,000 |
| Provision for loan losses | 0 | 0 | 0 | 60,000 |
| Pretax income | 140,000 | 406,000 | 419,000 | 377,000 |
| Income tax | 13,000 | 96,000 | 47,000 | 34,000 |
| Net income | 127,000 | 310,000 | 372,000 | 343,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,051,000 | 7,172,000 | 7,155,000 | 7,290,000 |
| Total capital | 7,519,000 | 7,638,000 | 7,541,000 | 7,711,000 |
| Risk-weighted assets | 38,439,000 | 40,381,000 | 45,905,000 | 44,087,000 |