Call reports 2005
FLAGSHIP BANK WINSTED — 2005
What FLAGSHIP BANK WINSTED reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 41,892,000 | 41,383,000 | 41,741,000 | 41,440,000 |
| Total loans | 24,407,000 | 24,196,000 | 24,874,000 | 23,426,000 |
| Allowance for loan losses | 390,000 | 371,000 | 384,000 | 382,000 |
| Securities available for sale | 11,207,000 | 11,236,000 | 10,818,000 | 10,896,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,343,000 | 33,788,000 | 34,286,000 | 33,865,000 |
| Interest-bearing deposits | 26,615,000 | 26,259,000 | 26,127,000 | 26,348,000 |
| Noninterest-bearing deposits | 8,728,000 | 7,529,000 | 8,159,000 | 7,517,000 |
| Equity capital | 4,278,000 | 4,339,000 | 4,284,000 | 4,262,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 524,000 | 1,097,000 | 1,679,000 | 2,256,000 |
| Interest expense | 148,000 | 312,000 | 489,000 | 678,000 |
| Net interest income | 376,000 | 785,000 | 1,190,000 | 1,578,000 |
| Noninterest income | 560,000 | 1,141,000 | 1,790,000 | 2,362,000 |
| Noninterest expense | 746,000 | 1,539,000 | 2,384,000 | 3,199,000 |
| Provision for loan losses | 22,000 | 32,000 | 47,000 | 52,000 |
| Pretax income | 168,000 | 355,000 | 549,000 | 689,000 |
| Income tax | 31,000 | 39,000 | 50,000 | 56,000 |
| Net income | 137,000 | 316,000 | 499,000 | 633,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,606,000 | 3,508,000 | 3,538,000 | 3,584,000 |
| Total capital | 3,949,000 | 3,851,000 | 3,899,000 | 3,926,000 |
| Risk-weighted assets | 27,396,000 | 27,381,000 | 28,865,000 | 27,326,000 |