Call reports 2007
BANK OF WINNFIELD & TRUST COMPANY — 2007
What BANK OF WINNFIELD & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 113,646,000 | 112,462,000 | 109,405,000 | 110,477,000 |
| Total loans | 52,536,000 | 55,729,000 | 55,453,000 | 54,847,000 |
| Allowance for loan losses | 595,000 | 604,000 | 610,000 | 608,000 |
| Securities available for sale | 32,324,000 | 31,243,000 | 28,490,000 | 24,737,000 |
| Securities held to maturity | 9,956,000 | 10,126,000 | 10,114,000 | 9,643,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,087,000 | 94,833,000 | 91,393,000 | 92,610,000 |
| Interest-bearing deposits | 73,409,000 | 72,788,000 | 68,135,000 | 70,215,000 |
| Noninterest-bearing deposits | 22,678,000 | 22,045,000 | 23,258,000 | 22,395,000 |
| Equity capital | 14,177,000 | 14,384,000 | 14,811,000 | 14,883,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,491,000 | 3,084,000 | 4,675,000 | 6,264,000 |
| Interest expense | 530,000 | 1,092,000 | 1,644,000 | 2,180,000 |
| Net interest income | 961,000 | 1,992,000 | 3,031,000 | 4,084,000 |
| Noninterest income | 283,000 | 628,000 | 916,000 | 1,149,000 |
| Noninterest expense | 907,000 | 1,708,000 | 2,490,000 | 3,427,000 |
| Provision for loan losses | 8,000 | 18,000 | 22,000 | 22,000 |
| Pretax income | 329,000 | 894,000 | 1,435,000 | 1,784,000 |
| Income tax | 60,000 | 220,000 | 365,000 | 447,000 |
| Net income | 269,000 | 674,000 | 1,070,000 | 1,337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,313,000 | 14,599,000 | 14,878,000 | 14,869,000 |
| Total capital | 14,908,000 | 15,203,000 | 15,488,000 | 15,477,000 |
| Risk-weighted assets | 63,613,000 | 65,891,000 | 64,797,000 | 64,247,000 |