Call reports 2015
WINTHROP STATE BANK — 2015
What WINTHROP STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 25,604,000 | 26,496,000 | 25,561,000 | 24,874,000 |
| Total loans | 3,926,000 | 3,594,000 | 3,378,000 | 3,374,000 |
| Allowance for loan losses | 90,000 | 90,000 | 84,000 | 84,000 |
| Securities available for sale | 11,489,000 | 11,392,000 | 11,798,000 | 11,692,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,742,000 | 23,758,000 | 22,699,000 | 22,108,000 |
| Interest-bearing deposits | 17,065,000 | 17,683,000 | 17,582,000 | 16,528,000 |
| Noninterest-bearing deposits | 5,677,000 | 6,075,000 | 5,117,000 | 5,580,000 |
| Equity capital | 2,829,000 | 2,701,000 | 2,815,000 | 2,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 165,000 | 331,000 | 500,000 | 658,000 |
| Interest expense | 9,000 | 19,000 | 30,000 | 39,000 |
| Net interest income | 156,000 | 312,000 | 470,000 | 619,000 |
| Noninterest income | 18,000 | 35,000 | 38,000 | 66,000 |
| Noninterest expense | 129,000 | 251,000 | 368,000 | 516,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 57,000 | 110,000 | 155,000 | 185,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 57,000 | 110,000 | 155,000 | 185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,583,000 | 2,636,000 | 2,639,000 | 2,650,000 |
| Total capital | 2,673,000 | 2,726,000 | 2,723,000 | 2,734,000 |
| Risk-weighted assets | 7,722,000 | 7,462,000 | 7,102,000 | 7,333,000 |