Call reports 2004
BANK OF WINNFIELD & TRUST COMPANY — 2004
What BANK OF WINNFIELD & TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 113,850,000 | 105,790,000 | 105,286,000 | 106,519,000 |
| Total loans | 41,136,000 | 42,335,000 | 43,333,000 | 42,870,000 |
| Allowance for loan losses | 536,000 | 545,000 | 518,000 | 504,000 |
| Securities available for sale | 39,735,000 | 37,291,000 | 34,713,000 | 33,921,000 |
| Securities held to maturity | 9,517,000 | 9,305,000 | 9,654,000 | 10,641,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,717,000 | 89,960,000 | 89,088,000 | 90,413,000 |
| Interest-bearing deposits | 78,367,000 | 71,622,000 | 67,325,000 | 67,667,000 |
| Noninterest-bearing deposits | 19,350,000 | 18,338,000 | 21,763,000 | 22,746,000 |
| Equity capital | 12,858,000 | 12,692,000 | 13,008,000 | 12,967,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,179,000 | 2,368,000 | 3,562,000 | 4,767,000 |
| Interest expense | 270,000 | 517,000 | 753,000 | 989,000 |
| Net interest income | 909,000 | 1,851,000 | 2,809,000 | 3,778,000 |
| Noninterest income | 213,000 | 405,000 | 656,000 | 870,000 |
| Noninterest expense | 760,000 | 1,541,000 | 2,318,000 | 3,093,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 84,000 |
| Pretax income | 347,000 | 715,000 | 1,136,000 | 1,505,000 |
| Income tax | 81,000 | 153,000 | 251,000 | 315,000 |
| Net income | 266,000 | 562,000 | 885,000 | 1,190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,667,000 | 12,844,000 | 13,048,000 | 13,115,000 |
| Total capital | 13,203,000 | 13,389,000 | 13,566,000 | 13,619,000 |
| Risk-weighted assets | 53,439,000 | 53,167,000 | 53,872,000 | 54,932,000 |