Call reports 2004
WINTHROP STATE BANK — 2004
What WINTHROP STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 20,638,000 | 20,369,000 | 21,145,000 | 21,242,000 |
| Total loans | 6,729,000 | 6,725,000 | 6,338,000 | 6,364,000 |
| Allowance for loan losses | 178,000 | 147,000 | 153,000 | 150,000 |
| Securities available for sale | 7,447,000 | 8,540,000 | 8,607,000 | 9,398,000 |
| Securities held to maturity | 1,790,000 | 1,640,000 | 1,625,000 | 1,655,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,256,000 | 17,935,000 | 18,868,000 | 18,981,000 |
| Interest-bearing deposits | 14,794,000 | 14,272,000 | 15,535,000 | 15,552,000 |
| Noninterest-bearing deposits | 3,462,000 | 3,663,000 | 3,333,000 | 3,429,000 |
| Equity capital | 2,231,000 | 1,960,000 | 2,158,000 | 2,185,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 245,000 | 483,000 | 726,000 | 966,000 |
| Interest expense | 44,000 | 84,000 | 126,000 | 170,000 |
| Net interest income | 201,000 | 399,000 | 600,000 | 796,000 |
| Noninterest income | 28,000 | 47,000 | 73,000 | 99,000 |
| Noninterest expense | 130,000 | 269,000 | 416,000 | 598,000 |
| Provision for loan losses | 7,000 | 22,000 | 28,000 | 34,000 |
| Pretax income | 92,000 | 153,000 | 227,000 | 253,000 |
| Income tax | -11,000 | -4,000 | 0 | 3,000 |
| Net income | 103,000 | 157,000 | 227,000 | 250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,180,000 | 2,175,000 | 2,206,000 | 2,223,000 |
| Total capital | 2,296,000 | 2,289,000 | 2,320,000 | 2,337,000 |
| Risk-weighted assets | 9,177,000 | 9,145,000 | 9,047,000 | 9,063,000 |