Call reports 2006
WINNSBORO STATE BANK & TRUST COMPANY — 2006
What WINNSBORO STATE BANK & TRUST COMPANY 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 | 94,575,000 | 92,044,000 | 92,006,000 | 90,748,000 |
| Total loans | 44,423,000 | 48,746,000 | 47,693,000 | 41,799,000 |
| Allowance for loan losses | 738,000 | 680,000 | 644,000 | 663,000 |
| Securities available for sale | 32,357,000 | 35,977,000 | 36,442,000 | 41,172,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,934,000 | 80,133,000 | 80,662,000 | 80,276,000 |
| Interest-bearing deposits | 63,410,000 | 61,342,000 | 61,209,000 | 61,217,000 |
| Noninterest-bearing deposits | 21,524,000 | 18,791,000 | 19,453,000 | 19,059,000 |
| Equity capital | 8,124,000 | 8,166,000 | 9,086,000 | 7,820,000 |
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 | 1,549,000 | 3,196,000 | 4,953,000 | 6,590,000 |
| Interest expense | 411,000 | 862,000 | 1,390,000 | 1,871,000 |
| Net interest income | 1,138,000 | 2,334,000 | 3,563,000 | 4,719,000 |
| Noninterest income | 240,000 | 463,000 | 682,000 | 916,000 |
| Noninterest expense | 853,000 | 1,666,000 | 2,524,000 | 3,968,000 |
| Provision for loan losses | 35,000 | 126,000 | 197,000 | 218,000 |
| Pretax income | 490,000 | 1,005,000 | 1,524,000 | 1,449,000 |
| Income tax | 115,000 | 234,000 | 340,000 | 215,000 |
| Net income | 375,000 | 771,000 | 1,184,000 | 1,234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,281,000 | 8,677,000 | 9,090,000 | 7,857,000 |
| Total capital | 8,960,000 | 9,357,000 | 9,734,000 | 8,505,000 |
| Risk-weighted assets | 54,281,000 | 57,979,000 | 57,096,000 | 51,796,000 |
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