Call reports 2016
WHITESVILLE STATE BANK — 2016
What WHITESVILLE STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 105,248,000 | 104,791,000 | 105,767,000 | 104,990,000 |
| Total loans | 56,849,000 | 57,219,000 | 57,979,000 | 59,050,000 |
| Allowance for loan losses | 590,000 | 537,000 | 551,000 | 541,000 |
| Securities available for sale | 27,142,000 | 25,949,000 | 23,963,000 | 24,342,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,298,000 | 94,998,000 | 95,970,000 | 95,623,000 |
| Interest-bearing deposits | 72,841,000 | 72,362,000 | 73,232,000 | 73,449,000 |
| Noninterest-bearing deposits | 22,457,000 | 22,636,000 | 22,738,000 | 22,174,000 |
| Equity capital | 9,244,000 | 9,370,000 | 9,388,000 | 9,049,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 995,000 | 1,991,000 | 3,015,000 | 4,044,000 |
| Interest expense | 150,000 | 303,000 | 457,000 | 599,000 |
| Net interest income | 845,000 | 1,688,000 | 2,558,000 | 3,445,000 |
| Noninterest income | 125,000 | 308,000 | 526,000 | 731,000 |
| Noninterest expense | 867,000 | 1,760,000 | 2,669,000 | 3,520,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 230,000 |
| Pretax income | 119,000 | 231,000 | 383,000 | 544,000 |
| Income tax | 28,000 | 53,000 | 66,000 | 73,000 |
| Net income | 91,000 | 178,000 | 317,000 | 471,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,950,000 | 9,160,000 | 9,278,000 | 9,381,000 |
| Total capital | 9,553,000 | 9,709,000 | 9,841,000 | 9,935,000 |
| Risk-weighted assets | 58,397,000 | 59,028,000 | 60,027,000 | 61,684,000 |