Call reports 2001
WINTERSET STATE BANK — 2001
What WINTERSET STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 36,810,000 | 35,084,000 | 34,107,000 | 34,689,000 |
| Total loans | 16,292,000 | 17,681,000 | 17,288,000 | 14,415,000 |
| Allowance for loan losses | 335,000 | 340,000 | 255,000 | 232,000 |
| Securities available for sale | 11,389,000 | 10,813,000 | 9,899,000 | 8,851,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,398,000 | 28,253,000 | 25,739,000 | 26,175,000 |
| Interest-bearing deposits | 25,462,000 | 23,909,000 | 21,458,000 | 21,330,000 |
| Noninterest-bearing deposits | 4,936,000 | 4,344,000 | 4,281,000 | 4,845,000 |
| Equity capital | 6,076,000 | 6,187,000 | 6,159,000 | 6,233,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 634,000 | 1,218,000 | 1,777,000 | 2,273,000 |
| Interest expense | 307,000 | 566,000 | 782,000 | 963,000 |
| Net interest income | 327,000 | 652,000 | 995,000 | 1,310,000 |
| Noninterest income | 63,000 | 125,000 | 185,000 | 301,000 |
| Noninterest expense | 309,000 | 603,000 | 986,000 | 1,296,000 |
| Provision for loan losses | 10,000 | 15,000 | -70,000 | -71,000 |
| Pretax income | 71,000 | 159,000 | 264,000 | 386,000 |
| Income tax | 5,000 | 10,000 | 15,000 | 18,000 |
| Net income | 66,000 | 149,000 | 249,000 | 368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,254,000 | 3,402,000 | 3,340,000 | 3,522,000 |
| Total capital | 3,531,000 | 3,646,000 | 3,574,000 | 3,734,000 |
| Risk-weighted assets | 22,064,000 | 19,414,000 | 18,730,000 | 16,909,000 |