Call reports 2014
WINNSBORO STATE BANK & TRUST COMPANY — 2014
What WINNSBORO STATE BANK & TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 133,813,000 | 133,720,000 | 132,823,000 | 136,498,000 |
| Total loans | 53,800,000 | 60,430,000 | 61,789,000 | 57,160,000 |
| Allowance for loan losses | 659,000 | 559,000 | 588,000 | 496,000 |
| Securities available for sale | 46,346,000 | 49,260,000 | 47,701,000 | 49,534,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,503,000 | 117,058,000 | 115,787,000 | 120,452,000 |
| Interest-bearing deposits | 92,118,000 | 90,232,000 | 89,130,000 | 91,481,000 |
| Noninterest-bearing deposits | 26,385,000 | 26,826,000 | 26,657,000 | 28,971,000 |
| Equity capital | 14,073,000 | 14,851,000 | 15,163,000 | 14,713,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,397,000 | 2,790,000 | 4,230,000 | 5,619,000 |
| Interest expense | 161,000 | 320,000 | 477,000 | 635,000 |
| Net interest income | 1,236,000 | 2,470,000 | 3,753,000 | 4,984,000 |
| Noninterest income | 182,000 | 382,000 | 566,000 | 734,000 |
| Noninterest expense | 1,041,000 | 2,035,000 | 3,026,000 | 4,095,000 |
| Provision for loan losses | 33,000 | 61,000 | 96,000 | 42,000 |
| Pretax income | 366,000 | 778,000 | 1,219,000 | 1,603,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 366,000 | 778,000 | 1,219,000 | 1,603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,034,000 | 14,304,000 | 14,603,000 | 14,579,000 |
| Total capital | 14,693,000 | 14,863,000 | 15,191,000 | 15,075,000 |
| Risk-weighted assets | 67,516,000 | 73,761,000 | 74,883,000 | 71,214,000 |
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