Call reports 2016
WINNSBORO STATE BANK & TRUST COMPANY — 2016
What WINNSBORO STATE BANK & TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 137,398,000 | 142,457,000 | 152,205,000 | 158,106,000 |
| Total loans | 84,393,000 | 97,999,000 | 102,980,000 | 110,277,000 |
| Allowance for loan losses | 576,000 | 669,000 | 729,000 | 673,000 |
| Securities available for sale | 41,248,000 | 37,571,000 | 32,331,000 | 29,652,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,209,000 | 118,853,000 | 123,264,000 | 130,585,000 |
| Interest-bearing deposits | 87,112,000 | 91,228,000 | 95,317,000 | 101,477,000 |
| Noninterest-bearing deposits | 34,097,000 | 27,625,000 | 27,947,000 | 29,108,000 |
| Equity capital | 14,354,000 | 14,899,000 | 14,883,000 | 14,246,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,538,000 | 3,171,000 | 4,931,000 | 6,762,000 |
| Interest expense | 155,000 | 316,000 | 513,000 | 742,000 |
| Net interest income | 1,383,000 | 2,855,000 | 4,418,000 | 6,020,000 |
| Noninterest income | 189,000 | 349,000 | 552,000 | 731,000 |
| Noninterest expense | 1,303,000 | 2,552,000 | 3,862,000 | 5,045,000 |
| Provision for loan losses | 76,000 | 176,000 | 291,000 | 391,000 |
| Pretax income | 209,000 | 517,000 | 870,000 | 1,368,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 209,000 | 517,000 | 870,000 | 1,368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,928,000 | 15,102,000 | 15,322,000 | 15,386,000 |
| Total capital | 15,504,000 | 15,771,000 | 16,051,000 | 16,059,000 |
| Risk-weighted assets | 98,727,000 | 112,238,000 | 118,358,000 | 126,773,000 |