Call reports 2012
BANK OF WINNFIELD & TRUST COMPANY — 2012
What BANK OF WINNFIELD & TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 135,385,000 | 137,872,000 | 136,314,000 | 137,334,000 |
| Total loans | 60,470,000 | 61,097,000 | 58,814,000 | 59,586,000 |
| Allowance for loan losses | 818,000 | 831,000 | 824,000 | 830,000 |
| Securities available for sale | 14,137,000 | 13,867,000 | 16,115,000 | 15,346,000 |
| Securities held to maturity | 12,519,000 | 12,187,000 | 12,729,000 | 12,939,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,938,000 | 119,179,000 | 117,303,000 | 118,557,000 |
| Interest-bearing deposits | 85,166,000 | 83,560,000 | 84,656,000 | 87,407,000 |
| Noninterest-bearing deposits | 31,772,000 | 35,619,000 | 32,647,000 | 31,150,000 |
| Equity capital | 15,838,000 | 16,078,000 | 16,432,000 | 16,374,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,260,000 | 2,452,000 | 3,639,000 | 4,766,000 |
| Interest expense | 116,000 | 217,000 | 310,000 | 396,000 |
| Net interest income | 1,144,000 | 2,235,000 | 3,329,000 | 4,370,000 |
| Noninterest income | 303,000 | 570,000 | 813,000 | 1,068,000 |
| Noninterest expense | 985,000 | 1,942,000 | 2,834,000 | 3,711,000 |
| Provision for loan losses | 15,000 | 30,000 | 35,000 | 35,000 |
| Pretax income | 447,000 | 833,000 | 1,273,000 | 1,700,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 447,000 | 833,000 | 1,273,000 | 1,700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,752,000 | 15,962,000 | 16,177,000 | 16,219,000 |
| Total capital | 16,570,000 | 16,793,000 | 17,001,000 | 17,049,000 |
| Risk-weighted assets | 68,798,000 | 69,157,000 | 67,349,000 | 68,012,000 |