Call reports 2025
BANK OF WINNFIELD & TRUST COMPANY — 2025
What BANK OF WINNFIELD & TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 160,581,000 | 161,581,000 | 154,943,000 | 155,037,000 |
| Total loans | 54,086,000 | 53,669,000 | 53,245,000 | 53,717,000 |
| Allowance for loan losses | 758,000 | 745,000 | 754,000 | 751,000 |
| Securities available for sale | 55,434,000 | 56,094,000 | 55,496,000 | 55,273,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,072,000 | 144,621,000 | 136,334,000 | 136,026,000 |
| Interest-bearing deposits | 92,499,000 | 92,970,000 | 85,563,000 | 87,051,000 |
| Noninterest-bearing deposits | 51,573,000 | 51,651,000 | 50,771,000 | 48,975,000 |
| Equity capital | 14,813,000 | 15,339,000 | 16,861,000 | 17,365,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,510,000 | 3,117,000 | 4,729,000 | 6,304,000 |
| Interest expense | 237,000 | 485,000 | 734,000 | 988,000 |
| Net interest income | 1,273,000 | 2,632,000 | 3,995,000 | 5,316,000 |
| Noninterest income | 333,000 | 663,000 | 1,023,000 | 1,361,000 |
| Noninterest expense | 1,335,000 | 2,595,000 | 3,850,000 | 5,105,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 45,000 |
| Pretax income | 256,000 | 670,000 | 1,123,000 | 1,527,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 256,000 | 670,000 | 1,123,000 | 1,527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,627,000 | 21,876,000 | 22,163,000 | 22,237,000 |
| Total capital | 22,385,000 | 22,621,000 | 22,917,000 | 22,988,000 |
| Risk-weighted assets | 70,358,000 | 69,604,000 | 68,759,000 | 71,649,000 |