Call reports 2015
WINNSBORO STATE BANK & TRUST COMPANY — 2015
What WINNSBORO STATE BANK & TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 138,101,000 | 135,886,000 | 134,084,000 | 134,309,000 |
| Total loans | 58,934,000 | 64,075,000 | 65,027,000 | 72,013,000 |
| Allowance for loan losses | 520,000 | 580,000 | 570,000 | 544,000 |
| Securities available for sale | 51,917,000 | 59,052,000 | 58,650,000 | 50,536,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,584,000 | 119,946,000 | 117,224,000 | 118,391,000 |
| Interest-bearing deposits | 93,661,000 | 91,350,000 | 87,473,000 | 83,917,000 |
| Noninterest-bearing deposits | 27,923,000 | 28,596,000 | 29,751,000 | 34,474,000 |
| Equity capital | 15,265,000 | 14,595,000 | 15,357,000 | 14,126,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,322,000 | 2,708,000 | 4,182,000 | 5,632,000 |
| Interest expense | 156,000 | 316,000 | 473,000 | 627,000 |
| Net interest income | 1,166,000 | 2,392,000 | 3,709,000 | 5,005,000 |
| Noninterest income | 184,000 | 349,000 | 513,000 | 675,000 |
| Noninterest expense | 1,029,000 | 2,035,000 | 3,063,000 | 4,362,000 |
| Provision for loan losses | 27,000 | 168,000 | 221,000 | 345,000 |
| Pretax income | 340,000 | 584,000 | 984,000 | 1,109,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 340,000 | 584,000 | 984,000 | 1,109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,785,000 | 14,895,000 | 15,162,000 | 14,852,000 |
| Total capital | 15,305,000 | 15,475,000 | 15,732,000 | 15,396,000 |
| Risk-weighted assets | 76,410,000 | 83,128,000 | 84,107,000 | 87,977,000 |