Call reports 2006
WINTHROP STATE BANK — 2006
What WINTHROP STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 18,585,000 | 18,602,000 | 19,033,000 | 19,556,000 |
| Total loans | 5,966,000 | 6,550,000 | 6,429,000 | 6,198,000 |
| Allowance for loan losses | 152,000 | 150,000 | 150,000 | 149,000 |
| Securities available for sale | 8,152,000 | 8,007,000 | 8,236,000 | 8,185,000 |
| Securities held to maturity | 1,374,000 | 1,374,000 | 1,374,000 | 1,224,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,607,000 | 16,609,000 | 16,761,000 | 17,377,000 |
| Interest-bearing deposits | 12,648,000 | 13,184,000 | 13,452,000 | 13,706,000 |
| Noninterest-bearing deposits | 3,959,000 | 3,425,000 | 3,309,000 | 3,671,000 |
| Equity capital | 1,908,000 | 1,902,000 | 2,111,000 | 2,068,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 232,000 | 466,000 | 716,000 | 968,000 |
| Interest expense | 55,000 | 135,000 | 218,000 | 308,000 |
| Net interest income | 177,000 | 331,000 | 498,000 | 660,000 |
| Noninterest income | 28,000 | 51,000 | 82,000 | 111,000 |
| Noninterest expense | 123,000 | 259,000 | 402,000 | 585,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 82,000 | 123,000 | 178,000 | 186,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 82,000 | 123,000 | 178,000 | 186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,191,000 | 2,180,000 | 2,211,000 | 2,219,000 |
| Total capital | 2,295,000 | 2,291,000 | 2,322,000 | 2,330,000 |
| Risk-weighted assets | 8,305,000 | 8,846,000 | 8,868,000 | 8,847,000 |