Call reports 2009
WINTHROP STATE BANK — 2009
What WINTHROP STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 18,874,000 | 18,576,000 | 18,457,000 | 19,001,000 |
| Total loans | 5,610,000 | 5,788,000 | 5,885,000 | 6,194,000 |
| Allowance for loan losses | 146,000 | 148,000 | 151,000 | 135,000 |
| Securities available for sale | 6,292,000 | 6,239,000 | 6,006,000 | 5,708,000 |
| Securities held to maturity | 1,137,000 | 1,137,000 | 1,347,000 | 1,347,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,504,000 | 16,313,000 | 16,128,000 | 16,766,000 |
| Interest-bearing deposits | 11,812,000 | 12,820,000 | 12,662,000 | 12,817,000 |
| Noninterest-bearing deposits | 4,692,000 | 3,493,000 | 3,466,000 | 3,949,000 |
| Equity capital | 2,186,000 | 2,154,000 | 2,251,000 | 2,194,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 207,000 | 412,000 | 615,000 | 820,000 |
| Interest expense | 39,000 | 77,000 | 113,000 | 146,000 |
| Net interest income | 168,000 | 335,000 | 502,000 | 674,000 |
| Noninterest income | 31,000 | 66,000 | 94,000 | 124,000 |
| Noninterest expense | 135,000 | 293,000 | 439,000 | 648,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 79,000 | 137,000 | 182,000 | 172,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 79,000 | 137,000 | 182,000 | 172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,203,000 | 2,212,000 | 2,244,000 | 2,234,000 |
| Total capital | 2,297,000 | 2,308,000 | 2,339,000 | 2,334,000 |
| Risk-weighted assets | 7,474,000 | 7,596,000 | 7,581,000 | 7,982,000 |