Call reports 2010
WINNSBORO STATE BANK & TRUST COMPANY — 2010
What WINNSBORO STATE BANK & TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 112,415,000 | 113,537,000 | 117,951,000 | 119,604,000 |
| Total loans | 49,570,000 | 58,127,000 | 51,970,000 | 50,242,000 |
| Allowance for loan losses | 674,000 | 679,000 | 652,000 | 590,000 |
| Securities available for sale | 46,379,000 | 42,804,000 | 44,353,000 | 43,922,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,576,000 | 99,838,000 | 102,001,000 | 101,213,000 |
| Interest-bearing deposits | 78,436,000 | 80,109,000 | 80,696,000 | 79,228,000 |
| Noninterest-bearing deposits | 20,140,000 | 19,729,000 | 21,305,000 | 21,985,000 |
| Equity capital | 11,290,000 | 12,202,000 | 13,054,000 | 11,252,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,560,000 | 3,183,000 | 4,820,000 | 6,316,000 |
| Interest expense | 275,000 | 562,000 | 848,000 | 1,126,000 |
| Net interest income | 1,285,000 | 2,621,000 | 3,972,000 | 5,190,000 |
| Noninterest income | 262,000 | 464,000 | 680,000 | 877,000 |
| Noninterest expense | 913,000 | 1,821,000 | 2,731,000 | 3,855,000 |
| Provision for loan losses | 131,000 | 223,000 | 197,000 | 205,000 |
| Pretax income | 503,000 | 1,041,000 | 1,724,000 | 2,007,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 503,000 | 1,041,000 | 1,724,000 | 2,007,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,926,000 | 11,346,000 | 11,912,000 | 11,566,000 |
| Total capital | 11,600,000 | 12,025,000 | 12,564,000 | 12,156,000 |
| Risk-weighted assets | 63,550,000 | 70,502,000 | 66,344,000 | 66,088,000 |