Call reports 2013
WINTHROP STATE BANK — 2013
What WINTHROP STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 22,853,000 | 23,769,000 | 23,548,000 | 23,406,000 |
| Total loans | 4,100,000 | 3,793,000 | 3,933,000 | 4,198,000 |
| Allowance for loan losses | 95,000 | 93,000 | 93,000 | 92,000 |
| Securities available for sale | 11,684,000 | 11,780,000 | 12,453,000 | 12,239,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,054,000 | 21,470,000 | 21,283,000 | 21,398,000 |
| Interest-bearing deposits | 15,005,000 | 16,126,000 | 16,193,000 | 16,334,000 |
| Noninterest-bearing deposits | 5,049,000 | 5,344,000 | 5,090,000 | 5,064,000 |
| Equity capital | 2,771,000 | 2,258,000 | 2,215,000 | 1,991,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 167,000 | 331,000 | 500,000 | 670,000 |
| Interest expense | 8,000 | 17,000 | 27,000 | 36,000 |
| Net interest income | 159,000 | 314,000 | 473,000 | 634,000 |
| Noninterest income | 17,000 | 36,000 | 55,000 | 77,000 |
| Noninterest expense | 133,000 | 270,000 | 398,000 | 565,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 54,000 | 93,000 | 145,000 | 162,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 54,000 | 93,000 | 145,000 | 162,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,361,000 | 2,390,000 | 2,427,000 | 2,419,000 |
| Total capital | 2,454,000 | 2,482,000 | 2,520,000 | 2,511,000 |
| Risk-weighted assets | 7,430,000 | 7,490,000 | 7,550,000 | 7,832,000 |