Call reports 2006
FLAGSHIP BANK WINSTED — 2006
What FLAGSHIP BANK WINSTED reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 41,545,000 | 40,221,000 | 41,266,000 | 41,562,000 |
| Total loans | 22,969,000 | 23,831,000 | 23,765,000 | 21,852,000 |
| Allowance for loan losses | 385,000 | 398,000 | 398,000 | 370,000 |
| Securities available for sale | 9,794,000 | 8,656,000 | 8,982,000 | 9,434,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,335,000 | 34,710,000 | 35,500,000 | 36,259,000 |
| Interest-bearing deposits | 26,683,000 | 26,873,000 | 27,655,000 | 29,009,000 |
| Noninterest-bearing deposits | 8,652,000 | 7,837,000 | 7,845,000 | 7,250,000 |
| Equity capital | 3,855,000 | 3,775,000 | 3,970,000 | 4,185,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 559,000 | 1,143,000 | 1,755,000 | 2,357,000 |
| Interest expense | 191,000 | 396,000 | 616,000 | 843,000 |
| Net interest income | 368,000 | 747,000 | 1,139,000 | 1,514,000 |
| Noninterest income | 508,000 | 1,059,000 | 1,615,000 | 2,232,000 |
| Noninterest expense | 769,000 | 1,615,000 | 2,492,000 | 3,270,000 |
| Provision for loan losses | 5,000 | 5,000 | 5,000 | -23,000 |
| Pretax income | 102,000 | 186,000 | 257,000 | 472,000 |
| Income tax | 9,000 | 1,000 | 0 | 1,000 |
| Net income | 93,000 | 185,000 | 257,000 | 471,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,274,000 | 3,123,000 | 3,191,000 | 3,392,000 |
| Total capital | 3,615,000 | 3,461,000 | 3,532,000 | 3,723,000 |
| Risk-weighted assets | 27,250,000 | 26,944,000 | 27,231,000 | 26,457,000 |