Call reports 2015
WHITESVILLE STATE BANK — 2015
What WHITESVILLE STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 100,944,000 | 101,954,000 | 102,564,000 | 103,861,000 |
| Total loans | 52,425,000 | 54,803,000 | 56,072,000 | 57,476,000 |
| Allowance for loan losses | 617,000 | 475,000 | 555,000 | 609,000 |
| Securities available for sale | 23,718,000 | 27,527,000 | 28,544,000 | 27,192,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,626,000 | 92,455,000 | 93,049,000 | 94,327,000 |
| Interest-bearing deposits | 67,284,000 | 68,973,000 | 70,680,000 | 71,794,000 |
| Noninterest-bearing deposits | 22,342,000 | 23,482,000 | 22,369,000 | 22,533,000 |
| Equity capital | 8,873,000 | 8,865,000 | 9,093,000 | 9,076,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 882,000 | 1,819,000 | 2,786,000 | 3,791,000 |
| Interest expense | 136,000 | 281,000 | 428,000 | 581,000 |
| Net interest income | 746,000 | 1,538,000 | 2,358,000 | 3,210,000 |
| Noninterest income | 222,000 | 477,000 | 734,000 | 921,000 |
| Noninterest expense | 828,000 | 1,708,000 | 2,548,000 | 3,469,000 |
| Provision for loan losses | 60,000 | 60,000 | 150,000 | 210,000 |
| Pretax income | 96,000 | 267,000 | 418,000 | 480,000 |
| Income tax | 19,000 | 65,000 | 92,000 | 110,000 |
| Net income | 77,000 | 202,000 | 326,000 | 370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,485,000 | 9,017,000 | 9,298,000 | 9,218,000 |
| Total capital | 8,877,000 | 9,371,000 | 9,661,000 | 9,846,000 |
| Risk-weighted assets | 29,191,000 | 26,655,000 | 27,462,000 | 59,444,000 |