Call reports 2003
BANK OF WINNFIELD & TRUST COMPANY — 2003
What BANK OF WINNFIELD & TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 102,838,000 | 104,228,000 | 108,075,000 | 108,025,000 |
| Total loans | 44,441,000 | 45,795,000 | 46,498,000 | 41,665,000 |
| Allowance for loan losses | 487,000 | 506,000 | 517,000 | 518,000 |
| Securities available for sale | 28,310,000 | 31,527,000 | 31,910,000 | 37,087,000 |
| Securities held to maturity | 6,902,000 | 7,243,000 | 7,850,000 | 8,604,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,881,000 | 87,300,000 | 91,189,000 | 91,860,000 |
| Interest-bearing deposits | 68,788,000 | 69,431,000 | 69,951,000 | 72,195,000 |
| Noninterest-bearing deposits | 17,093,000 | 17,869,000 | 21,238,000 | 19,665,000 |
| Equity capital | 13,061,000 | 13,165,000 | 13,224,000 | 13,201,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,241,000 | 2,469,000 | 3,723,000 | 4,919,000 |
| Interest expense | 392,000 | 764,000 | 1,081,000 | 1,371,000 |
| Net interest income | 849,000 | 1,705,000 | 2,642,000 | 3,548,000 |
| Noninterest income | 176,000 | 356,000 | 532,000 | 734,000 |
| Noninterest expense | 735,000 | 1,445,000 | 2,160,000 | 2,928,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 275,000 | 586,000 | 969,000 | 1,294,000 |
| Income tax | 59,000 | 131,000 | 226,000 | 293,000 |
| Net income | 216,000 | 455,000 | 743,000 | 1,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,653,000 | 12,783,000 | 12,962,000 | 13,003,000 |
| Total capital | 13,140,000 | 13,289,000 | 13,479,000 | 13,521,000 |
| Risk-weighted assets | 53,385,000 | 54,761,000 | 56,046,000 | 52,120,000 |