Call reports 2007
WINTHROP STATE BANK — 2007
What WINTHROP STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 19,102,000 | 19,109,000 | 19,172,000 | 18,040,000 |
| Total loans | 6,271,000 | 6,502,000 | 6,583,000 | 6,263,000 |
| Allowance for loan losses | 149,000 | 148,000 | 135,000 | 133,000 |
| Securities available for sale | 8,330,000 | 8,361,000 | 8,465,000 | 7,194,000 |
| Securities held to maturity | 1,224,000 | 1,121,000 | 1,121,000 | 1,120,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,907,000 | 16,958,000 | 16,822,000 | 15,717,000 |
| Interest-bearing deposits | 13,517,000 | 13,050,000 | 13,171,000 | 11,581,000 |
| Noninterest-bearing deposits | 3,390,000 | 3,908,000 | 3,651,000 | 4,136,000 |
| Equity capital | 1,974,000 | 2,005,000 | 2,141,000 | 2,211,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 256,000 | 509,000 | 766,000 | 1,004,000 |
| Interest expense | 93,000 | 196,000 | 300,000 | 382,000 |
| Net interest income | 163,000 | 313,000 | 466,000 | 622,000 |
| Noninterest income | 27,000 | 51,000 | 87,000 | 124,000 |
| Noninterest expense | 130,000 | 277,000 | 417,000 | 604,000 |
| Provision for loan losses | 0 | 0 | 2,000 | 5,000 |
| Pretax income | 60,000 | 87,000 | 134,000 | 137,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 60,000 | 87,000 | 134,000 | 137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,180,000 | 2,180,000 | 2,211,000 | 2,214,000 |
| Total capital | 2,291,000 | 2,292,000 | 2,324,000 | 2,320,000 |
| Risk-weighted assets | 8,803,000 | 8,921,000 | 8,988,000 | 8,455,000 |