Call reports 2005
WINTHROP STATE BANK — 2005
What WINTHROP 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 | 20,499,000 | 21,193,000 | 19,776,000 | 20,177,000 |
| Total loans | 5,943,000 | 6,396,000 | 6,382,000 | 6,098,000 |
| Allowance for loan losses | 154,000 | 152,000 | 152,000 | 152,000 |
| Securities available for sale | 9,153,000 | 8,967,000 | 9,006,000 | 8,233,000 |
| Securities held to maturity | 1,645,000 | 1,615,000 | 1,615,000 | 1,585,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,290,000 | 18,914,000 | 17,323,000 | 18,033,000 |
| Interest-bearing deposits | 14,997,000 | 15,167,000 | 14,184,000 | 14,048,000 |
| Noninterest-bearing deposits | 3,293,000 | 3,747,000 | 3,139,000 | 3,985,000 |
| Equity capital | 2,123,000 | 2,155,000 | 2,148,000 | 2,073,000 |
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 | 246,000 | 479,000 | 723,000 | 955,000 |
| Interest expense | 40,000 | 80,000 | 123,000 | 171,000 |
| Net interest income | 206,000 | 399,000 | 600,000 | 784,000 |
| Noninterest income | 26,000 | 46,000 | 73,000 | 98,000 |
| Noninterest expense | 146,000 | 272,000 | 409,000 | 612,000 |
| Provision for loan losses | 4,000 | 4,000 | 4,000 | 4,000 |
| Pretax income | 82,000 | 169,000 | 260,000 | 266,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 82,000 | 169,000 | 260,000 | 266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,205,000 | 2,223,000 | 2,276,000 | 2,275,000 |
| Total capital | 2,312,000 | 2,334,000 | 2,384,000 | 2,384,000 |
| Risk-weighted assets | 8,540,000 | 8,819,000 | 8,588,000 | 8,673,000 |