Call reports 2021
WINNSBORO STATE BANK & TRUST COMPANY — 2021
What WINNSBORO STATE BANK & TRUST COMPANY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 266,181,000 | 256,701,000 | 264,897,000 | 263,251,000 |
| Total loans | 182,296,000 | 190,777,000 | 190,116,000 | 195,271,000 |
| Allowance for loan losses | 1,767,000 | 1,823,000 | 1,765,000 | 1,959,000 |
| Securities available for sale | 46,681,000 | 46,730,000 | 46,915,000 | 46,843,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,584,000 | 214,904,000 | 224,254,000 | 224,181,000 |
| Interest-bearing deposits | 169,271,000 | 162,735,000 | 168,064,000 | 168,442,000 |
| Noninterest-bearing deposits | 54,313,000 | 52,169,000 | 56,190,000 | 55,739,000 |
| Equity capital | 24,844,000 | 25,859,000 | 27,359,000 | 27,370,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,052,000 | 6,370,000 | 9,180,000 | 12,099,000 |
| Interest expense | 374,000 | 692,000 | 961,000 | 1,191,000 |
| Net interest income | 2,678,000 | 5,678,000 | 8,219,000 | 10,908,000 |
| Noninterest income | 265,000 | 586,000 | 2,683,000 | 2,954,000 |
| Noninterest expense | 1,993,000 | 4,041,000 | 6,086,000 | 9,114,000 |
| Provision for loan losses | 19,000 | 70,000 | 137,000 | 343,000 |
| Pretax income | 931,000 | 2,153,000 | 4,679,000 | 4,405,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 931,000 | 2,153,000 | 4,679,000 | 4,405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,146,000 | 25,031,000 | 26,518,000 | 25,051,000 |
| Total capital | 25,913,000 | 26,854,000 | 28,283,000 | 27,010,000 |
| Risk-weighted assets | 178,532,000 | 187,133,000 | 185,008,000 | 192,635,000 |