Call reports 2002
BANK OF WINNFIELD & TRUST COMPANY — 2002
What BANK OF WINNFIELD & TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 100,433,000 | 100,251,000 | 99,104,000 | 98,910,000 |
| Total loans | 42,377,000 | 41,552,000 | 44,297,000 | 44,229,000 |
| Allowance for loan losses | 504,000 | 519,000 | 534,000 | 549,000 |
| Securities available for sale | 33,642,000 | 34,951,000 | 32,889,000 | 29,446,000 |
| Securities held to maturity | 6,965,000 | 7,283,000 | 7,281,000 | 7,279,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,347,000 | 83,621,000 | 82,055,000 | 82,011,000 |
| Interest-bearing deposits | 68,739,000 | 62,994,000 | 66,086,000 | 64,116,000 |
| Noninterest-bearing deposits | 15,608,000 | 20,627,000 | 15,969,000 | 17,895,000 |
| Equity capital | 11,923,000 | 12,577,000 | 12,955,000 | 13,001,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,405,000 | 2,804,000 | 4,192,000 | 5,490,000 |
| Interest expense | 531,000 | 1,030,000 | 1,505,000 | 1,935,000 |
| Net interest income | 874,000 | 1,774,000 | 2,687,000 | 3,555,000 |
| Noninterest income | 168,000 | 369,000 | 551,000 | 706,000 |
| Noninterest expense | 704,000 | 1,380,000 | 2,039,000 | 2,735,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 55,000 |
| Pretax income | 323,000 | 733,000 | 1,188,000 | 1,505,000 |
| Income tax | 82,000 | 189,000 | 313,000 | 355,000 |
| Net income | 241,000 | 544,000 | 875,000 | 1,150,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,150,000 | 12,310,000 | 12,532,000 | 12,547,000 |
| Total capital | 12,654,000 | 12,829,000 | 13,066,000 | 13,096,000 |
| Risk-weighted assets | 50,836,000 | 49,953,000 | 52,314,000 | 52,465,000 |