Call reports 2018
WINNSBORO STATE BANK & TRUST COMPANY — 2018
What WINNSBORO STATE BANK & TRUST COMPANY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 186,338,000 | 189,566,000 | 193,882,000 | 193,425,000 |
| Total loans | 137,938,000 | 143,804,000 | 144,711,000 | 146,882,000 |
| Allowance for loan losses | 1,008,000 | 1,033,000 | 1,351,000 | 1,225,000 |
| Securities available for sale | 21,545,000 | 21,392,000 | 20,848,000 | 20,812,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,440,000 | 153,148,000 | 154,989,000 | 156,460,000 |
| Interest-bearing deposits | 124,737,000 | 126,305,000 | 127,415,000 | 128,213,000 |
| Noninterest-bearing deposits | 27,703,000 | 26,843,000 | 27,574,000 | 28,247,000 |
| Equity capital | 15,593,000 | 15,913,000 | 16,126,000 | 16,608,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,135,000 | 4,396,000 | 6,755,000 | 9,196,000 |
| Interest expense | 332,000 | 735,000 | 1,175,000 | 1,683,000 |
| Net interest income | 1,803,000 | 3,661,000 | 5,580,000 | 7,513,000 |
| Noninterest income | 185,000 | 389,000 | 810,000 | 1,032,000 |
| Noninterest expense | 1,532,000 | 3,010,000 | 4,545,000 | 6,130,000 |
| Provision for loan losses | 94,000 | 201,000 | 528,000 | 616,000 |
| Pretax income | 366,000 | 842,000 | 1,321,000 | 1,802,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 366,000 | 842,000 | 1,321,000 | 1,802,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,975,000 | 17,323,000 | 17,675,000 | 18,156,000 |
| Total capital | 17,983,000 | 18,356,000 | 19,026,000 | 19,381,000 |
| Risk-weighted assets | 152,523,000 | 157,948,000 | 152,985,000 | 153,515,000 |