Call reports 2006
BANK OF WINNFIELD & TRUST COMPANY — 2006
What BANK OF WINNFIELD & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 107,184,000 | 105,940,000 | 108,712,000 | 107,898,000 |
| Total loans | 43,757,000 | 43,375,000 | 46,397,000 | 48,708,000 |
| Allowance for loan losses | 575,000 | 577,000 | 585,000 | 589,000 |
| Securities available for sale | 36,579,000 | 36,343,000 | 35,670,000 | 33,869,000 |
| Securities held to maturity | 11,682,000 | 10,964,000 | 10,951,000 | 10,288,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,664,000 | 89,449,000 | 91,600,000 | 90,777,000 |
| Interest-bearing deposits | 66,697,000 | 66,947,000 | 67,182,000 | 67,880,000 |
| Noninterest-bearing deposits | 23,967,000 | 22,502,000 | 24,418,000 | 22,897,000 |
| Equity capital | 13,312,000 | 13,348,000 | 13,848,000 | 13,973,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,257,000 | 2,569,000 | 3,944,000 | 5,409,000 |
| Interest expense | 363,000 | 756,000 | 1,170,000 | 1,649,000 |
| Net interest income | 894,000 | 1,813,000 | 2,774,000 | 3,760,000 |
| Noninterest income | 248,000 | 515,000 | 795,000 | 1,077,000 |
| Noninterest expense | 872,000 | 1,688,000 | 2,497,000 | 3,314,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 262,000 | 625,000 | 1,049,000 | 1,493,000 |
| Income tax | 34,000 | 95,000 | 183,000 | 272,000 |
| Net income | 228,000 | 530,000 | 866,000 | 1,221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,704,000 | 13,885,000 | 14,096,000 | 14,163,000 |
| Total capital | 14,279,000 | 14,461,000 | 14,681,000 | 14,752,000 |
| Risk-weighted assets | 56,159,000 | 55,739,000 | 58,292,000 | 59,726,000 |