Call reports 2011
WINNSBORO STATE BANK & TRUST COMPANY — 2011
What WINNSBORO STATE BANK & TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 117,424,000 | 121,106,000 | 123,997,000 | 128,422,000 |
| Total loans | 54,281,000 | 63,465,000 | 55,552,000 | 52,507,000 |
| Allowance for loan losses | 645,000 | 742,000 | 704,000 | 642,000 |
| Securities available for sale | 43,254,000 | 44,384,000 | 41,207,000 | 43,482,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,849,000 | 105,225,000 | 107,674,000 | 108,190,000 |
| Interest-bearing deposits | 82,230,000 | 83,732,000 | 83,917,000 | 83,021,000 |
| Noninterest-bearing deposits | 21,619,000 | 21,493,000 | 23,757,000 | 25,169,000 |
| Equity capital | 11,974,000 | 13,318,000 | 14,472,000 | 13,174,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,570,000 | 3,227,000 | 4,955,000 | 6,444,000 |
| Interest expense | 264,000 | 530,000 | 788,000 | 1,041,000 |
| Net interest income | 1,306,000 | 2,697,000 | 4,167,000 | 5,403,000 |
| Noninterest income | 211,000 | 406,000 | 549,000 | 755,000 |
| Noninterest expense | 957,000 | 1,904,000 | 2,828,000 | 3,942,000 |
| Provision for loan losses | 66,000 | 182,000 | 146,000 | 135,000 |
| Pretax income | 495,000 | 1,015,000 | 1,740,000 | 2,083,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 495,000 | 1,015,000 | 1,740,000 | 2,083,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,944,000 | 12,346,000 | 12,954,000 | 12,295,000 |
| Total capital | 12,589,000 | 13,088,000 | 13,658,000 | 12,937,000 |
| Risk-weighted assets | 68,617,000 | 76,469,000 | 65,802,000 | 64,893,000 |