Call reports 2004
FLAGSHIP BANK WINSTED — 2004
What FLAGSHIP BANK WINSTED reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 40,002,000 | 42,181,000 | 42,376,000 | 41,507,000 |
| Total loans | 22,634,000 | 24,265,000 | 24,183,000 | 23,377,000 |
| Allowance for loan losses | 363,000 | 374,000 | 380,000 | 368,000 |
| Securities available for sale | 10,879,000 | 10,395,000 | 11,164,000 | 11,466,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,941,000 | 34,961,000 | 35,544,000 | 34,816,000 |
| Interest-bearing deposits | 24,807,000 | 27,027,000 | 28,171,000 | 26,568,000 |
| Noninterest-bearing deposits | 8,134,000 | 7,934,000 | 7,373,000 | 8,248,000 |
| Equity capital | 4,524,000 | 4,379,000 | 4,480,000 | 4,391,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 499,000 | 1,027,000 | 1,567,000 | 2,110,000 |
| Interest expense | 150,000 | 283,000 | 424,000 | 566,000 |
| Net interest income | 349,000 | 744,000 | 1,143,000 | 1,544,000 |
| Noninterest income | 483,000 | 1,097,000 | 1,607,000 | 2,186,000 |
| Noninterest expense | 767,000 | 1,502,000 | 2,233,000 | 3,001,000 |
| Provision for loan losses | 0 | 15,000 | 30,000 | 35,000 |
| Pretax income | 78,000 | 337,000 | 500,000 | 707,000 |
| Income tax | -3,000 | 11,000 | 22,000 | 40,000 |
| Net income | 81,000 | 326,000 | 478,000 | 667,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,515,000 | 3,587,000 | 3,589,000 | 3,558,000 |
| Total capital | 3,845,000 | 3,945,000 | 3,947,000 | 3,905,000 |
| Risk-weighted assets | 26,346,000 | 28,643,000 | 28,604,000 | 27,720,000 |