Call reports 2008
BANK OF WINNFIELD & TRUST COMPANY — 2008
What BANK OF WINNFIELD & TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 120,548,000 | 121,087,000 | 115,963,000 | 117,329,000 |
| Total loans | 56,157,000 | 57,473,000 | 57,263,000 | 57,421,000 |
| Allowance for loan losses | 612,000 | 594,000 | 595,000 | 586,000 |
| Securities available for sale | 23,040,000 | 24,252,000 | 22,793,000 | 24,634,000 |
| Securities held to maturity | 10,569,000 | 10,741,000 | 11,564,000 | 11,837,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,346,000 | 102,979,000 | 100,455,000 | 100,940,000 |
| Interest-bearing deposits | 75,906,000 | 75,879,000 | 73,239,000 | 73,566,000 |
| Noninterest-bearing deposits | 26,439,000 | 27,100,000 | 27,216,000 | 27,374,000 |
| Equity capital | 14,750,000 | 12,287,000 | 12,222,000 | 12,274,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,548,000 | 3,050,000 | 4,563,000 | 6,014,000 |
| Interest expense | 523,000 | 1,002,000 | 1,437,000 | 1,831,000 |
| Net interest income | 1,025,000 | 2,048,000 | 3,126,000 | 4,183,000 |
| Noninterest income | 320,000 | 621,000 | 893,000 | 1,152,000 |
| Noninterest expense | 1,029,000 | 2,016,000 | 3,078,000 | 3,980,000 |
| Provision for loan losses | 2,000 | 7,000 | 37,000 | 62,000 |
| Pretax income | 314,000 | 647,000 | 905,000 | 1,294,000 |
| Income tax | 53,000 | 103,000 | 563,000 | 422,000 |
| Net income | 261,000 | 544,000 | 342,000 | 872,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,619,000 | 12,336,000 | 12,134,000 | 12,938,000 |
| Total capital | 15,231,000 | 12,930,000 | 12,729,000 | 13,524,000 |
| Risk-weighted assets | 66,781,000 | 67,671,000 | 66,133,000 | 67,087,000 |