Call reports 2022
WINNSBORO STATE BANK & TRUST COMPANY — 2022
What WINNSBORO STATE BANK & TRUST COMPANY reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 270,310,000 | 297,271,000 | 290,484,000 | 302,683,000 |
| Total loans | 194,780,000 | 217,372,000 | 225,027,000 | 229,766,000 |
| Allowance for loan losses | 1,931,000 | 1,948,000 | 2,018,000 | 1,845,000 |
| Securities available for sale | 45,117,000 | 42,421,000 | 43,205,000 | 44,759,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,478,000 | 258,311,000 | 252,890,000 | 245,328,000 |
| Interest-bearing deposits | 174,608,000 | 189,230,000 | 191,050,000 | 187,340,000 |
| Noninterest-bearing deposits | 56,870,000 | 69,081,000 | 61,840,000 | 57,988,000 |
| Equity capital | 26,057,000 | 27,983,000 | 27,303,000 | 27,777,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,851,000 | 5,962,000 | 9,514,000 | 13,227,000 |
| Interest expense | 220,000 | 452,000 | 683,000 | 1,060,000 |
| Net interest income | 2,631,000 | 5,510,000 | 8,831,000 | 12,167,000 |
| Noninterest income | 349,000 | 834,000 | 1,149,000 | 1,487,000 |
| Noninterest expense | 2,035,000 | 4,103,000 | 6,378,000 | 8,926,000 |
| Provision for loan losses | 6,000 | 207,000 | 290,000 | 361,000 |
| Pretax income | 939,000 | 2,034,000 | 3,312,000 | 4,367,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 939,000 | 2,034,000 | 3,312,000 | 4,367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,177,000 | 29,252,000 | 30,242,000 | 29,893,000 |
| Total capital | 28,108,000 | 31,200,000 | 32,260,000 | 31,738,000 |
| Risk-weighted assets | 192,114,000 | 211,961,000 | 219,883,000 | 231,535,000 |