Call reports 2012
WINNSBORO STATE BANK & TRUST COMPANY — 2012
What WINNSBORO STATE BANK & TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 129,664,000 | 127,657,000 | 137,944,000 | 135,591,000 |
| Total loans | 60,322,000 | 69,725,000 | 55,211,000 | 55,069,000 |
| Allowance for loan losses | 700,000 | 801,000 | 717,000 | 565,000 |
| Securities available for sale | 42,107,000 | 42,937,000 | 44,706,000 | 44,017,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,986,000 | 111,212,000 | 120,588,000 | 115,948,000 |
| Interest-bearing deposits | 87,276,000 | 88,900,000 | 89,832,000 | 86,317,000 |
| Noninterest-bearing deposits | 25,710,000 | 22,312,000 | 30,756,000 | 29,631,000 |
| Equity capital | 13,540,000 | 14,189,000 | 14,997,000 | 13,854,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,606,000 | 3,289,000 | 4,987,000 | 6,492,000 |
| Interest expense | 241,000 | 462,000 | 667,000 | 862,000 |
| Net interest income | 1,365,000 | 2,827,000 | 4,320,000 | 5,630,000 |
| Noninterest income | 173,000 | 363,000 | 535,000 | 741,000 |
| Noninterest expense | 980,000 | 1,973,000 | 2,956,000 | 4,203,000 |
| Provision for loan losses | 49,000 | 152,000 | 85,000 | 64,000 |
| Pretax income | 509,000 | 1,065,000 | 1,814,000 | 2,111,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 509,000 | 1,065,000 | 1,814,000 | 2,111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,688,000 | 13,126,000 | 13,759,000 | 13,079,000 |
| Total capital | 13,388,000 | 13,927,000 | 14,476,000 | 13,644,000 |
| Risk-weighted assets | 69,219,000 | 77,869,000 | 65,679,000 | 67,766,000 |