Call reports 2013
WINNSBORO STATE BANK & TRUST COMPANY — 2013
What WINNSBORO STATE BANK & TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 133,999,000 | 131,423,000 | 133,035,000 | 134,102,000 |
| Total loans | 62,553,000 | 76,507,000 | 71,085,000 | 58,327,000 |
| Allowance for loan losses | 653,000 | 800,000 | 802,000 | 627,000 |
| Securities available for sale | 41,997,000 | 39,777,000 | 45,762,000 | 45,922,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,127,000 | 116,073,000 | 117,041,000 | 114,974,000 |
| Interest-bearing deposits | 89,151,000 | 90,121,000 | 90,988,000 | 87,151,000 |
| Noninterest-bearing deposits | 27,976,000 | 25,952,000 | 26,053,000 | 27,823,000 |
| Equity capital | 13,986,000 | 12,831,000 | 13,510,000 | 13,409,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,592,000 | 3,296,000 | 5,097,000 | 6,684,000 |
| Interest expense | 182,000 | 362,000 | 537,000 | 709,000 |
| Net interest income | 1,410,000 | 2,934,000 | 4,560,000 | 5,975,000 |
| Noninterest income | 195,000 | 378,000 | 551,000 | 727,000 |
| Noninterest expense | 1,019,000 | 2,038,000 | 3,032,000 | 4,219,000 |
| Provision for loan losses | 107,000 | 312,000 | 354,000 | 311,000 |
| Pretax income | 479,000 | 962,000 | 1,725,000 | 2,174,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 479,000 | 962,000 | 1,725,000 | 2,174,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,416,000 | 13,757,000 | 14,378,000 | 13,809,000 |
| Total capital | 14,069,000 | 14,557,000 | 15,180,000 | 14,436,000 |
| Risk-weighted assets | 73,081,000 | 86,279,000 | 81,523,000 | 71,765,000 |