Call reports 2020
WINNSBORO STATE BANK & TRUST COMPANY — 2020
What WINNSBORO STATE BANK & TRUST COMPANY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 241,159,000 | 255,349,000 | 265,732,000 | 258,476,000 |
| Total loans | 175,559,000 | 185,016,000 | 182,989,000 | 175,807,000 |
| Allowance for loan losses | 1,474,000 | 1,626,000 | 1,725,000 | 1,752,000 |
| Securities available for sale | 25,057,000 | 31,913,000 | 38,999,000 | 41,785,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,051,000 | 211,919,000 | 222,986,000 | 215,235,000 |
| Interest-bearing deposits | 159,130,000 | 165,130,000 | 174,109,000 | 163,271,000 |
| Noninterest-bearing deposits | 37,921,000 | 46,789,000 | 48,877,000 | 51,964,000 |
| Equity capital | 22,429,000 | 23,639,000 | 23,535,000 | 24,677,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,833,000 | 5,844,000 | 8,608,000 | 11,356,000 |
| Interest expense | 674,000 | 1,311,000 | 1,887,000 | 2,375,000 |
| Net interest income | 2,159,000 | 4,533,000 | 6,721,000 | 8,981,000 |
| Noninterest income | 383,000 | 610,000 | 850,000 | 1,358,000 |
| Noninterest expense | 2,060,000 | 3,921,000 | 5,811,000 | 7,752,000 |
| Provision for loan losses | 108,000 | 272,000 | 389,000 | 422,000 |
| Pretax income | 374,000 | 950,000 | 1,371,000 | 2,165,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 374,000 | 950,000 | 1,371,000 | 2,165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,658,000 | 22,138,000 | 22,025,000 | 23,375,000 |
| Total capital | 23,132,000 | 23,764,000 | 23,750,000 | 25,127,000 |
| Risk-weighted assets | 174,797,000 | 179,612,000 | 178,121,000 | 176,516,000 |