Call reports 2019
WINNSBORO STATE BANK & TRUST COMPANY — 2019
What WINNSBORO STATE BANK & TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 201,066,000 | 231,204,000 | 227,462,000 | 230,525,000 |
| Total loans | 150,629,000 | 165,518,000 | 169,801,000 | 171,981,000 |
| Allowance for loan losses | 959,000 | 1,172,000 | 1,271,000 | 1,421,000 |
| Securities available for sale | 19,781,000 | 19,861,000 | 19,282,000 | 18,545,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,447,000 | 190,720,000 | 188,172,000 | 190,818,000 |
| Interest-bearing deposits | 131,084,000 | 155,994,000 | 152,481,000 | 152,653,000 |
| Noninterest-bearing deposits | 30,363,000 | 34,726,000 | 35,691,000 | 38,165,000 |
| Equity capital | 17,051,000 | 21,644,000 | 22,051,000 | 22,307,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,425,000 | 4,953,000 | 7,847,000 | 10,721,000 |
| Interest expense | 525,000 | 1,127,000 | 1,813,000 | 2,468,000 |
| Net interest income | 1,900,000 | 3,826,000 | 6,034,000 | 8,253,000 |
| Noninterest income | 176,000 | 649,000 | 867,000 | 1,368,000 |
| Noninterest expense | 1,662,000 | 3,323,000 | 5,209,000 | 6,937,000 |
| Provision for loan losses | 57,000 | 270,000 | 397,000 | 735,000 |
| Pretax income | 357,000 | 882,000 | 1,317,000 | 1,971,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 357,000 | 882,000 | 1,317,000 | 1,971,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,386,000 | 20,592,000 | 21,155,000 | 21,383,000 |
| Total capital | 19,345,000 | 21,764,000 | 22,426,000 | 22,804,000 |
| Risk-weighted assets | 159,511,000 | 163,207,000 | 164,490,000 | 168,461,000 |