Call reports 2005
WINNSBORO STATE BANK & TRUST COMPANY — 2005
What WINNSBORO STATE BANK & TRUST COMPANY 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 | 85,319,000 | 87,507,000 | 89,906,000 | 91,543,000 |
| Total loans | 46,526,000 | 52,146,000 | 51,502,000 | 44,053,000 |
| Allowance for loan losses | 918,000 | 916,000 | 866,000 | 727,000 |
| Securities available for sale | 27,249,000 | 27,913,000 | 25,630,000 | 28,684,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,596,000 | 74,541,000 | 75,606,000 | 81,350,000 |
| Interest-bearing deposits | 59,467,000 | 57,264,000 | 57,325,000 | 60,388,000 |
| Noninterest-bearing deposits | 16,129,000 | 17,277,000 | 18,281,000 | 20,962,000 |
| Equity capital | 8,128,000 | 8,656,000 | 8,957,000 | 7,872,000 |
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 | 1,373,000 | 2,838,000 | 4,403,000 | 5,910,000 |
| Interest expense | 253,000 | 526,000 | 859,000 | 1,237,000 |
| Net interest income | 1,120,000 | 2,312,000 | 3,544,000 | 4,673,000 |
| Noninterest income | 199,000 | 422,000 | 654,000 | 864,000 |
| Noninterest expense | 838,000 | 1,637,000 | 2,431,000 | 3,702,000 |
| Provision for loan losses | 48,000 | 97,000 | 220,000 | 254,000 |
| Pretax income | 433,000 | 1,002,000 | 1,549,000 | 1,483,000 |
| Income tax | 113,000 | 272,000 | 421,000 | 315,000 |
| Net income | 320,000 | 730,000 | 1,128,000 | 1,168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,082,000 | 8,492,000 | 8,890,000 | 7,906,000 |
| Total capital | 8,745,000 | 9,215,000 | 9,607,000 | 8,585,000 |
| Risk-weighted assets | 52,811,000 | 57,636,000 | 57,228,000 | 54,232,000 |
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