Call reports 2023
WINNSBORO STATE BANK & TRUST COMPANY — 2023
What WINNSBORO STATE BANK & TRUST COMPANY reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 323,388,000 | 327,973,000 | 338,632,000 | 343,637,000 |
| Total loans | 242,585,000 | 252,186,000 | 253,542,000 | 248,513,000 |
| Allowance for loan losses | 2,448,000 | 2,520,000 | 2,566,000 | 2,509,000 |
| Securities available for sale | 47,503,000 | 45,607,000 | 41,831,000 | 43,537,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 279,368,000 | 277,723,000 | 286,652,000 | 280,568,000 |
| Interest-bearing deposits | 222,865,000 | 222,883,000 | 227,450,000 | 226,403,000 |
| Noninterest-bearing deposits | 56,503,000 | 54,840,000 | 59,202,000 | 54,165,000 |
| Equity capital | 28,549,000 | 28,920,000 | 32,836,000 | 36,038,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,997,000 | 8,324,000 | 13,070,000 | 18,040,000 |
| Interest expense | 882,000 | 2,118,000 | 3,672,000 | 5,392,000 |
| Net interest income | 3,115,000 | 6,206,000 | 9,398,000 | 12,648,000 |
| Noninterest income | 380,000 | 774,000 | 6,091,000 | 6,803,000 |
| Noninterest expense | 2,203,000 | 4,398,000 | 7,176,000 | 9,705,000 |
| Provision for loan losses | 102,000 | 184,000 | 301,000 | 556,000 |
| Pretax income | 1,190,000 | 2,398,000 | 8,012,000 | 9,176,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,190,000 | 2,398,000 | 8,012,000 | 9,176,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,093,000 | 31,019,000 | 36,360,000 | 37,583,000 |
| Total capital | 32,741,000 | 33,739,000 | 39,140,000 | 40,306,000 |
| Risk-weighted assets | 242,734,000 | 251,857,000 | 247,222,000 | 250,543,000 |