Call reports 2010
WINTHROP STATE BANK — 2010
What WINTHROP STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 18,119,000 | 18,426,000 | 18,115,000 | 18,927,000 |
| Total loans | 5,621,000 | 5,529,000 | 5,456,000 | 4,804,000 |
| Allowance for loan losses | 118,000 | 122,000 | 124,000 | 113,000 |
| Securities available for sale | 6,846,000 | 7,113,000 | 7,268,000 | 7,533,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,714,000 | 15,915,000 | 15,546,000 | 16,341,000 |
| Interest-bearing deposits | 12,557,000 | 12,849,000 | 12,393,000 | 12,933,000 |
| Noninterest-bearing deposits | 3,157,000 | 3,066,000 | 3,153,000 | 3,408,000 |
| Equity capital | 2,356,000 | 2,445,000 | 2,440,000 | 2,459,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 182,000 | 355,000 | 528,000 | 694,000 |
| Interest expense | 32,000 | 56,000 | 78,000 | 97,000 |
| Net interest income | 150,000 | 299,000 | 450,000 | 597,000 |
| Noninterest income | 27,000 | 53,000 | 72,000 | 94,000 |
| Noninterest expense | 141,000 | 292,000 | 451,000 | 631,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 33,000 | 55,000 | 63,000 | 49,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 33,000 | 55,000 | 63,000 | 49,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,267,000 | 2,282,000 | 2,282,000 | 2,268,000 |
| Total capital | 2,359,000 | 2,374,000 | 2,372,000 | 2,355,000 |
| Risk-weighted assets | 7,353,000 | 7,255,000 | 7,203,000 | 6,946,000 |