Call reports 2020
WHITESVILLE STATE BANK — 2020
What WHITESVILLE STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 107,264,000 | 115,368,000 | 113,053,000 | 117,300,000 |
| Total loans | 51,899,000 | 55,591,000 | 56,299,000 | 56,663,000 |
| Allowance for loan losses | 873,000 | 887,000 | 879,000 | 854,000 |
| Securities available for sale | 42,198,000 | 43,529,000 | 43,846,000 | 44,682,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,787,000 | 103,411,000 | 100,872,000 | 105,129,000 |
| Interest-bearing deposits | 72,660,000 | 74,673,000 | 73,715,000 | 75,919,000 |
| Noninterest-bearing deposits | 23,127,000 | 28,738,000 | 27,157,000 | 29,210,000 |
| Equity capital | 11,095,000 | 11,428,000 | 11,519,000 | 11,716,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,144,000 | 2,399,000 | 3,469,000 | 4,520,000 |
| Interest expense | 215,000 | 416,000 | 580,000 | 732,000 |
| Net interest income | 929,000 | 1,983,000 | 2,889,000 | 3,788,000 |
| Noninterest income | 254,000 | 451,000 | 737,000 | 952,000 |
| Noninterest expense | 1,077,000 | 2,113,000 | 3,113,000 | 4,138,000 |
| Provision for loan losses | 50,000 | 100,000 | 100,000 | 150,000 |
| Pretax income | 136,000 | 381,000 | 612,000 | 683,000 |
| Income tax | 15,000 | 73,000 | 88,000 | 81,000 |
| Net income | 121,000 | 308,000 | 524,000 | 602,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,438,000 | 10,636,000 | 10,803,000 | 10,830,000 |
| Total capital | 11,144,000 | 11,363,000 | 11,581,000 | — |
| Risk-weighted assets | 52,382,000 | 57,975,000 | 62,174,000 | — |
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