Call reports 2014
WHITESVILLE STATE BANK — 2014
What WHITESVILLE STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 88,171,000 | 91,307,000 | 91,341,000 | 93,023,000 |
| Total loans | 50,200,000 | 52,987,000 | 54,496,000 | 53,482,000 |
| Allowance for loan losses | 594,000 | 599,000 | 573,000 | 574,000 |
| Securities available for sale | 19,097,000 | 22,180,000 | 22,254,000 | 21,124,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,265,000 | 81,914,000 | 82,365,000 | 83,914,000 |
| Interest-bearing deposits | 56,508,000 | 59,257,000 | 61,138,000 | 61,166,000 |
| Noninterest-bearing deposits | 21,757,000 | 22,657,000 | 21,227,000 | 22,748,000 |
| Equity capital | 8,376,000 | 8,683,000 | 8,611,000 | 8,756,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 865,000 | 1,731,000 | 2,658,000 | 3,581,000 |
| Interest expense | 113,000 | 237,000 | 370,000 | 509,000 |
| Net interest income | 752,000 | 1,494,000 | 2,288,000 | 3,072,000 |
| Noninterest income | 233,000 | 478,000 | 708,000 | 937,000 |
| Noninterest expense | 890,000 | 1,642,000 | 2,447,000 | 3,337,000 |
| Provision for loan losses | 45,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 47,000 | 267,000 | 487,000 | 626,000 |
| Income tax | 28,000 | 76,000 | 134,000 | 131,000 |
| Net income | 19,000 | 191,000 | 353,000 | 495,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,599,000 | 8,750,000 | 8,666,000 | 8,788,000 |
| Total capital | 9,254,000 | 9,409,000 | 9,303,000 | 9,429,000 |
| Risk-weighted assets | 56,879,000 | 59,220,000 | 60,374,000 | 58,267,000 |