Call reports 2009
WINNSBORO STATE BANK & TRUST COMPANY — 2009
What WINNSBORO STATE BANK & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 107,306,000 | 106,276,000 | 107,550,000 | 109,836,000 |
| Total loans | 46,012,000 | 54,370,000 | 50,614,000 | 46,426,000 |
| Allowance for loan losses | 561,000 | 631,000 | 639,000 | 553,000 |
| Securities available for sale | 44,034,000 | 41,227,000 | 43,044,000 | 50,653,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,132,000 | 92,224,000 | 92,866,000 | 95,866,000 |
| Interest-bearing deposits | 73,716,000 | 72,695,000 | 73,108,000 | 74,246,000 |
| Noninterest-bearing deposits | 21,416,000 | 19,529,000 | 19,758,000 | 21,620,000 |
| Equity capital | 10,069,000 | 10,430,000 | 11,975,000 | 10,848,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,540,000 | 3,173,000 | 4,817,000 | 6,364,000 |
| Interest expense | 314,000 | 618,000 | 916,000 | 1,203,000 |
| Net interest income | 1,226,000 | 2,555,000 | 3,901,000 | 5,161,000 |
| Noninterest income | 246,000 | 467,000 | 683,000 | 893,000 |
| Noninterest expense | 912,000 | 1,869,000 | 2,809,000 | 3,855,000 |
| Provision for loan losses | 84,000 | 174,000 | 183,000 | 138,000 |
| Pretax income | 476,000 | 979,000 | 1,592,000 | 2,061,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 476,000 | 979,000 | 1,592,000 | 2,061,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,308,000 | 10,701,000 | 11,203,000 | 10,541,000 |
| Total capital | 10,869,000 | 11,332,000 | 11,842,000 | 11,094,000 |
| Risk-weighted assets | 58,469,000 | 65,793,000 | 62,871,000 | 60,361,000 |
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