Call reports 2014
WINTHROP STATE BANK — 2014
What WINTHROP STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 24,419,000 | 25,076,000 | 24,156,000 | 23,786,000 |
| Total loans | 4,032,000 | 4,013,000 | 4,219,000 | 4,151,000 |
| Allowance for loan losses | 92,000 | 92,000 | 92,000 | 90,000 |
| Securities available for sale | 12,396,000 | 12,288,000 | 12,144,000 | 11,579,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,150,000 | 22,591,000 | 21,636,000 | 21,139,000 |
| Interest-bearing deposits | 16,640,000 | 16,510,000 | 16,156,000 | 16,417,000 |
| Noninterest-bearing deposits | 5,510,000 | 6,081,000 | 5,480,000 | 4,722,000 |
| Equity capital | 2,235,000 | 2,452,000 | 2,487,000 | 2,629,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 169,000 | 342,000 | 516,000 | 689,000 |
| Interest expense | 9,000 | 20,000 | 30,000 | 39,000 |
| Net interest income | 160,000 | 322,000 | 486,000 | 650,000 |
| Noninterest income | 16,000 | 30,000 | 46,000 | 69,000 |
| Noninterest expense | 141,000 | 275,000 | 406,000 | 581,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 37,000 | 90,000 | 141,000 | 156,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 37,000 | 90,000 | 141,000 | 156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,457,000 | 2,484,000 | 2,511,000 | 2,525,000 |
| Total capital | 2,549,000 | 2,576,000 | 2,603,000 | 2,615,000 |
| Risk-weighted assets | 7,818,000 | 7,948,000 | 7,830,000 | 7,746,000 |