Call reports 2005
WINSIDE STATE BANK — 2005
What WINSIDE STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 19,913,000 | 20,325,000 | 20,579,000 | 20,509,000 |
| Total loans | 10,722,000 | 10,973,000 | 11,471,000 | 11,856,000 |
| Allowance for loan losses | 134,000 | 134,000 | 134,000 | 134,000 |
| Securities available for sale | 1,588,000 | 1,580,000 | 1,584,000 | 1,571,000 |
| Securities held to maturity | 5,960,000 | 5,910,000 | 6,210,000 | 6,210,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,254,000 | 15,601,000 | 15,762,000 | 15,684,000 |
| Interest-bearing deposits | 13,946,000 | 14,391,000 | 14,349,000 | 14,085,000 |
| Noninterest-bearing deposits | 1,308,000 | 1,210,000 | 1,413,000 | 1,599,000 |
| Equity capital | 3,455,000 | 3,517,000 | 3,605,000 | 3,614,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 245,000 | 505,000 | 790,000 | 1,067,000 |
| Interest expense | 78,000 | 166,000 | 264,000 | 371,000 |
| Net interest income | 167,000 | 339,000 | 526,000 | 696,000 |
| Noninterest income | 14,000 | 28,000 | 43,000 | 59,000 |
| Noninterest expense | 103,000 | 218,000 | 334,000 | 496,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 78,000 | 149,000 | 235,000 | 259,000 |
| Income tax | 2,000 | 3,000 | 5,000 | 7,000 |
| Net income | 76,000 | 146,000 | 230,000 | 252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,443,000 | 3,537,000 | 3,589,000 | 3,585,000 |
| Total capital | 3,577,000 | 3,671,000 | 3,723,000 | 3,719,000 |
| Risk-weighted assets | 13,354,000 | 13,613,000 | 14,131,000 | 14,403,000 |
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