Call reports 2003
WINTHROP STATE BANK — 2003
What WINTHROP STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 17,605,000 | 20,287,000 | 20,590,000 | 21,014,000 |
| Total loans | 6,905,000 | 6,676,000 | 6,903,000 | 6,847,000 |
| Allowance for loan losses | 181,000 | 182,000 | 183,000 | 173,000 |
| Securities available for sale | 5,180,000 | 5,304,000 | 6,223,000 | 7,403,000 |
| Securities held to maturity | 1,942,000 | 2,234,000 | 2,264,000 | 2,275,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,313,000 | 17,906,000 | 18,339,000 | 18,725,000 |
| Interest-bearing deposits | 12,421,000 | 14,777,000 | 14,401,000 | 14,841,000 |
| Noninterest-bearing deposits | 2,892,000 | 3,129,000 | 3,938,000 | 3,884,000 |
| Equity capital | 2,196,000 | 2,215,000 | 2,111,000 | 2,192,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 244,000 | 482,000 | 734,000 | 980,000 |
| Interest expense | 65,000 | 125,000 | 181,000 | 228,000 |
| Net interest income | 179,000 | 357,000 | 553,000 | 752,000 |
| Noninterest income | 30,000 | 57,000 | 92,000 | 119,000 |
| Noninterest expense | 103,000 | 234,000 | 363,000 | 566,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 106,000 | 180,000 | 282,000 | 305,000 |
| Income tax | 0 | 0 | 0 | 14,000 |
| Net income | 106,000 | 180,000 | 282,000 | 291,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,123,000 | 2,118,000 | 2,178,000 | 2,179,000 |
| Total capital | 2,233,000 | 2,231,000 | 2,297,000 | 2,298,000 |
| Risk-weighted assets | 8,703,000 | 8,967,000 | 9,444,000 | 9,492,000 |