Call reports 2012
WHITESVILLE STATE BANK — 2012
What WHITESVILLE STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 82,839,000 | 81,472,000 | 81,716,000 | 83,158,000 |
| Total loans | 35,893,000 | 40,267,000 | 42,700,000 | 44,258,000 |
| Allowance for loan losses | 473,000 | 460,000 | 481,000 | 477,000 |
| Securities available for sale | 31,325,000 | 27,599,000 | 23,270,000 | 22,760,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,139,000 | 73,091,000 | 73,102,000 | 73,179,000 |
| Interest-bearing deposits | 52,035,000 | 51,984,000 | 52,673,000 | 53,328,000 |
| Noninterest-bearing deposits | 21,104,000 | 21,107,000 | 20,429,000 | 19,851,000 |
| Equity capital | 7,776,000 | 7,957,000 | 8,196,000 | 8,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 760,000 | 1,597,000 | 2,461,000 | 3,272,000 |
| Interest expense | 108,000 | 219,000 | 322,000 | 428,000 |
| Net interest income | 652,000 | 1,378,000 | 2,139,000 | 2,844,000 |
| Noninterest income | 227,000 | 480,000 | 729,000 | 962,000 |
| Noninterest expense | 763,000 | 1,599,000 | 2,380,000 | 3,007,000 |
| Provision for loan losses | 30,000 | 40,000 | 70,000 | 140,000 |
| Pretax income | 86,000 | 220,000 | 430,000 | 775,000 |
| Income tax | 3,000 | 40,000 | 64,000 | 140,000 |
| Net income | 83,000 | 180,000 | 366,000 | 635,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,552,000 | 7,648,000 | 7,837,000 | 8,156,000 |
| Total capital | 8,025,000 | 8,108,000 | 8,318,000 | 8,633,000 |
| Risk-weighted assets | 56,246,000 | 58,174,000 | 60,067,000 | 63,707,000 |