Call reports 2007
WINNSBORO STATE BANK & TRUST COMPANY — 2007
What WINNSBORO STATE BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 94,780,000 | 97,992,000 | 97,782,000 | 101,128,000 |
| Total loans | 42,887,000 | 49,027,000 | 44,329,000 | 43,285,000 |
| Allowance for loan losses | 586,000 | 672,000 | 551,000 | 520,000 |
| Securities available for sale | 41,525,000 | 41,912,000 | 43,746,000 | 41,134,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,515,000 | 84,353,000 | 86,558,000 | 90,003,000 |
| Interest-bearing deposits | 65,426,000 | 64,305,000 | 66,945,000 | 67,883,000 |
| Noninterest-bearing deposits | 19,089,000 | 20,048,000 | 19,613,000 | 22,120,000 |
| Equity capital | 8,199,000 | 8,288,000 | 9,027,000 | 8,420,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,623,000 | 3,320,000 | 5,078,000 | 6,753,000 |
| Interest expense | 499,000 | 1,040,000 | 1,681,000 | 2,269,000 |
| Net interest income | 1,124,000 | 2,280,000 | 3,397,000 | 4,484,000 |
| Noninterest income | 252,000 | 517,000 | 756,000 | 1,013,000 |
| Noninterest expense | 816,000 | 1,602,000 | 2,372,000 | 3,418,000 |
| Provision for loan losses | 80,000 | 198,000 | 231,000 | 326,000 |
| Pretax income | 480,000 | 997,000 | 1,550,000 | 1,724,000 |
| Income tax | 105,000 | 223,000 | 355,000 | 470,000 |
| Net income | 375,000 | 774,000 | 1,195,000 | 1,254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,231,000 | 8,631,000 | 9,052,000 | 8,411,000 |
| Total capital | 8,817,000 | 9,303,000 | 9,603,000 | 8,931,000 |
| Risk-weighted assets | 53,656,000 | 59,481,000 | 55,541,000 | 54,995,000 |
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