Call reports 2017
WINNSBORO STATE BANK & TRUST COMPANY — 2017
What WINNSBORO STATE BANK & TRUST COMPANY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 172,268,000 | 172,418,000 | 180,185,000 | 180,198,000 |
| Total loans | 114,536,000 | 121,809,000 | 132,735,000 | 132,557,000 |
| Allowance for loan losses | 770,000 | 787,000 | 904,000 | 895,000 |
| Securities available for sale | 29,598,000 | 29,740,000 | 25,219,000 | 23,244,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,133,000 | 143,241,000 | 147,807,000 | 148,398,000 |
| Interest-bearing deposits | 114,482,000 | 114,289,000 | 118,305,000 | 118,507,000 |
| Noninterest-bearing deposits | 29,651,000 | 28,952,000 | 29,502,000 | 29,891,000 |
| Equity capital | 14,685,000 | 15,692,000 | 15,826,000 | 15,633,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,873,000 | 3,816,000 | 5,936,000 | 8,075,000 |
| Interest expense | 242,000 | 504,000 | 780,000 | 1,086,000 |
| Net interest income | 1,631,000 | 3,312,000 | 5,156,000 | 6,989,000 |
| Noninterest income | 210,000 | 397,000 | 549,000 | 728,000 |
| Noninterest expense | 1,365,000 | 2,749,000 | 4,202,000 | 5,619,000 |
| Provision for loan losses | 114,000 | 261,000 | 401,000 | 508,000 |
| Pretax income | 397,000 | 734,000 | 1,150,000 | 1,638,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 397,000 | 734,000 | 1,150,000 | 1,638,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,657,000 | 16,368,000 | 16,657,000 | 16,735,000 |
| Total capital | 16,427,000 | 17,155,000 | 17,561,000 | 17,630,000 |
| Risk-weighted assets | 129,350,000 | 133,660,000 | 143,122,000 | 146,178,000 |