Call reports 2008
WINNSBORO STATE BANK & TRUST COMPANY — 2008
What WINNSBORO STATE BANK & TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 99,131,000 | 100,772,000 | 100,555,000 | 103,250,000 |
| Total loans | 44,824,000 | 48,790,000 | 46,921,000 | 43,667,000 |
| Allowance for loan losses | 595,000 | 642,000 | 545,000 | 505,000 |
| Securities available for sale | 43,074,000 | 41,126,000 | 38,278,000 | 45,936,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,785,000 | 86,462,000 | 89,232,000 | 90,241,000 |
| Interest-bearing deposits | 66,982,000 | 64,628,000 | 68,646,000 | 68,635,000 |
| Noninterest-bearing deposits | 20,803,000 | 21,834,000 | 20,586,000 | 21,606,000 |
| Equity capital | 9,182,000 | 9,405,000 | 9,434,000 | 9,369,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,678,000 | 3,334,000 | 4,988,000 | 6,573,000 |
| Interest expense | 518,000 | 965,000 | 1,369,000 | 1,730,000 |
| Net interest income | 1,160,000 | 2,369,000 | 3,619,000 | 4,843,000 |
| Noninterest income | 248,000 | 499,000 | 735,000 | 967,000 |
| Noninterest expense | 870,000 | 1,703,000 | 2,509,000 | 3,542,000 |
| Provision for loan losses | 63,000 | 107,000 | 133,000 | 108,000 |
| Pretax income | 475,000 | 1,058,000 | 1,712,000 | 2,160,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 475,000 | 1,058,000 | 1,712,000 | 2,160,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,887,000 | 9,469,000 | 10,123,000 | 9,939,000 |
| Total capital | 9,482,000 | 10,111,000 | 10,668,000 | 10,444,000 |
| Risk-weighted assets | 55,898,000 | 59,904,000 | 58,015,000 | 55,432,000 |
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