Call reports 2009
BANK OF WINNFIELD & TRUST COMPANY — 2009
What BANK OF WINNFIELD & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 122,306,000 | 122,461,000 | 117,357,000 | 118,645,000 |
| Total loans | 56,826,000 | 60,847,000 | 64,954,000 | 66,005,000 |
| Allowance for loan losses | 594,000 | 600,000 | 610,000 | 677,000 |
| Securities available for sale | 26,347,000 | 23,589,000 | 21,587,000 | 19,682,000 |
| Securities held to maturity | 11,072,000 | 11,057,000 | 11,041,000 | 11,025,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,550,000 | 105,271,000 | 99,596,000 | 101,623,000 |
| Interest-bearing deposits | 77,790,000 | 78,379,000 | 75,560,000 | 78,232,000 |
| Noninterest-bearing deposits | 27,760,000 | 26,892,000 | 24,036,000 | 23,391,000 |
| Equity capital | 12,635,000 | 13,369,000 | 13,564,000 | 13,260,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,430,000 | 2,892,000 | 4,413,000 | 5,871,000 |
| Interest expense | 314,000 | 604,000 | 874,000 | 1,128,000 |
| Net interest income | 1,116,000 | 2,288,000 | 3,539,000 | 4,743,000 |
| Noninterest income | 267,000 | 538,000 | 823,000 | 1,104,000 |
| Noninterest expense | 996,000 | 1,953,000 | 2,931,000 | 4,007,000 |
| Provision for loan losses | 18,000 | 36,000 | 64,000 | 139,000 |
| Pretax income | 369,000 | 837,000 | 1,367,000 | 1,701,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 369,000 | 837,000 | 1,367,000 | 1,701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,306,000 | 13,774,000 | 13,904,000 | 13,839,000 |
| Total capital | 13,900,000 | 14,374,000 | 14,514,000 | 14,516,000 |
| Risk-weighted assets | 67,888,000 | 71,544,000 | 73,718,000 | 74,377,000 |