Call reports 2015
BANK OF WINNFIELD & TRUST COMPANY — 2015
What BANK OF WINNFIELD & TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 144,838,000 | 142,417,000 | 140,578,000 | 140,916,000 |
| Total loans | 60,934,000 | 61,314,000 | 58,604,000 | 60,034,000 |
| Allowance for loan losses | 853,000 | 843,000 | 826,000 | 678,000 |
| Securities available for sale | 32,155,000 | 32,045,000 | 27,902,000 | 26,333,000 |
| Securities held to maturity | 12,011,000 | 12,588,000 | 15,839,000 | 18,420,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,316,000 | 123,283,000 | 121,068,000 | 123,873,000 |
| Interest-bearing deposits | 85,718,000 | 87,320,000 | 82,212,000 | 85,995,000 |
| Noninterest-bearing deposits | 39,598,000 | 35,963,000 | 38,856,000 | 37,878,000 |
| Equity capital | 17,293,000 | 16,927,000 | 17,205,000 | 14,886,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,044,000 | 2,124,000 | 3,204,000 | 4,312,000 |
| Interest expense | 55,000 | 109,000 | 162,000 | 216,000 |
| Net interest income | 989,000 | 2,015,000 | 3,042,000 | 4,096,000 |
| Noninterest income | 238,000 | 475,000 | 721,000 | 970,000 |
| Noninterest expense | 976,000 | 1,886,000 | 2,838,000 | 3,782,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 236,000 | 589,000 | 910,000 | 1,269,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 236,000 | 589,000 | 910,000 | 1,269,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,060,000 | 16,863,000 | 17,018,000 | 16,921,000 |
| Total capital | 17,894,000 | 17,706,000 | 17,844,000 | 17,599,000 |
| Risk-weighted assets | 66,772,000 | 67,914,000 | 71,633,000 | 70,166,000 |