Call reports 2024
WINNSBORO STATE BANK & TRUST COMPANY — 2024
What WINNSBORO STATE BANK & TRUST COMPANY reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 349,409,000 | 354,668,000 | 346,133,000 | 336,914,000 |
| Total loans | 247,658,000 | 259,341,000 | 262,255,000 | 257,072,000 |
| Allowance for loan losses | 2,494,000 | 2,531,000 | 2,662,000 | 2,626,000 |
| Securities available for sale | 42,132,000 | 44,059,000 | 45,370,000 | 43,914,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,896,000 | 288,567,000 | 281,838,000 | 283,901,000 |
| Interest-bearing deposits | 235,704,000 | 241,058,000 | 235,901,000 | 236,962,000 |
| Noninterest-bearing deposits | 50,192,000 | 47,509,000 | 45,937,000 | 46,939,000 |
| Equity capital | 36,639,000 | 37,933,000 | 39,857,000 | 38,078,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 5,066,000 | 10,529,000 | 16,104,000 | 21,322,000 |
| Interest expense | 1,862,000 | 3,948,000 | 6,137,000 | 8,169,000 |
| Net interest income | 3,204,000 | 6,581,000 | 9,967,000 | 13,153,000 |
| Noninterest income | 357,000 | 747,000 | 1,147,000 | 1,814,000 |
| Noninterest expense | 2,387,000 | 4,791,000 | 7,321,000 | 9,736,000 |
| Provision for loan losses | 5,000 | 41,000 | 189,000 | 500,000 |
| Pretax income | 1,167,000 | 2,494,000 | 3,692,000 | 4,819,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,167,000 | 2,494,000 | 3,692,000 | 4,819,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,478,000 | 39,835,000 | 40,607,000 | 39,961,000 |
| Total capital | 41,188,000 | 42,582,000 | 43,395,000 | 42,713,000 |
| Risk-weighted assets | 251,610,000 | 260,841,000 | 262,984,000 | 261,639,000 |