Call reports 2008
WINTHROP STATE BANK — 2008
What WINTHROP STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 18,311,000 | 18,192,000 | 19,990,000 | 19,177,000 |
| Total loans | 6,076,000 | 5,896,000 | 5,866,000 | 5,802,000 |
| Allowance for loan losses | 135,000 | 138,000 | 140,000 | 143,000 |
| Securities available for sale | 7,619,000 | 6,897,000 | 6,308,000 | 6,358,000 |
| Securities held to maturity | 895,000 | 985,000 | 1,182,000 | 1,302,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,846,000 | 15,953,000 | 17,715,000 | 16,775,000 |
| Interest-bearing deposits | 11,344,000 | 11,388,000 | 13,791,000 | 11,937,000 |
| Noninterest-bearing deposits | 4,502,000 | 4,565,000 | 3,924,000 | 4,838,000 |
| Equity capital | 2,247,000 | 2,092,000 | 2,141,000 | 2,307,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 231,000 | 449,000 | 675,000 | 887,000 |
| Interest expense | 70,000 | 131,000 | 193,000 | 243,000 |
| Net interest income | 161,000 | 318,000 | 482,000 | 644,000 |
| Noninterest income | 40,000 | 74,000 | 108,000 | 151,000 |
| Noninterest expense | 141,000 | 283,000 | 419,000 | 606,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 57,000 | 103,000 | 162,000 | 177,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 57,000 | 103,000 | 162,000 | 177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,176,000 | 2,190,000 | 2,228,000 | 2,244,000 |
| Total capital | 2,278,000 | 2,290,000 | 2,330,000 | 2,341,000 |
| Risk-weighted assets | 8,147,000 | 7,994,000 | 8,156,000 | 7,702,000 |