Call reports 2011
WHITESVILLE STATE BANK — 2011
What WHITESVILLE STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 75,628,000 | 77,482,000 | 81,580,000 | 79,279,000 |
| Total loans | 26,712,000 | 29,741,000 | 32,091,000 | 34,285,000 |
| Allowance for loan losses | 408,000 | 402,000 | 420,000 | 450,000 |
| Securities available for sale | 32,960,000 | 35,300,000 | 28,341,000 | 29,958,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,882,000 | 69,125,000 | 70,058,000 | 71,090,000 |
| Interest-bearing deposits | 48,964,000 | 49,710,000 | 48,858,000 | 49,952,000 |
| Noninterest-bearing deposits | 18,918,000 | 19,415,000 | 21,200,000 | 21,138,000 |
| Equity capital | 7,305,000 | 7,405,000 | 7,599,000 | 7,757,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 641,000 | 1,316,000 | 2,043,000 | 2,776,000 |
| Interest expense | 116,000 | 236,000 | 347,000 | 453,000 |
| Net interest income | 525,000 | 1,080,000 | 1,696,000 | 2,323,000 |
| Noninterest income | 215,000 | 465,000 | 743,000 | 953,000 |
| Noninterest expense | 718,000 | 1,506,000 | 2,350,000 | 3,078,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 65,000 |
| Pretax income | 37,000 | 101,000 | 182,000 | 255,000 |
| Income tax | -17,000 | -1,000 | 7,000 | 11,000 |
| Net income | 54,000 | 102,000 | 175,000 | 244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,275,000 | 7,328,000 | 7,403,000 | 7,475,000 |
| Total capital | 7,683,000 | 7,730,000 | 7,823,000 | 7,925,000 |
| Risk-weighted assets | 47,853,000 | 49,143,000 | 50,698,000 | 53,052,000 |