Call reports 2005
BANK OF WINNFIELD & TRUST COMPANY — 2005
What BANK OF WINNFIELD & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 106,212,000 | 106,393,000 | 105,699,000 | 103,204,000 |
| Total loans | 43,187,000 | 43,981,000 | 43,604,000 | 43,688,000 |
| Allowance for loan losses | 521,000 | 552,000 | 561,000 | 565,000 |
| Securities available for sale | 34,530,000 | 34,507,000 | 32,951,000 | 31,770,000 |
| Securities held to maturity | 11,049,000 | 11,182,000 | 11,170,000 | 11,769,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,162,000 | 90,064,000 | 89,234,000 | 86,906,000 |
| Interest-bearing deposits | 68,872,000 | 67,916,000 | 68,088,000 | 63,553,000 |
| Noninterest-bearing deposits | 21,290,000 | 22,148,000 | 21,146,000 | 23,353,000 |
| Equity capital | 12,882,000 | 13,238,000 | 13,269,000 | 13,235,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,193,000 | 2,417,000 | 3,632,000 | 4,884,000 |
| Interest expense | 246,000 | 522,000 | 832,000 | 1,175,000 |
| Net interest income | 947,000 | 1,895,000 | 2,800,000 | 3,709,000 |
| Noninterest income | 255,000 | 522,000 | 796,000 | 1,088,000 |
| Noninterest expense | 851,000 | 1,691,000 | 2,540,000 | 3,382,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 53,000 |
| Pretax income | 336,000 | 696,000 | 1,011,000 | 1,362,000 |
| Income tax | 61,000 | 131,000 | 184,000 | 223,000 |
| Net income | 275,000 | 565,000 | 827,000 | 1,139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,270,000 | 13,441,000 | 13,572,000 | 13,632,000 |
| Total capital | 13,791,000 | 13,993,000 | 14,133,000 | 14,197,000 |
| Risk-weighted assets | 55,177,000 | 55,602,000 | 55,572,000 | 55,287,000 |