Call reports 2025
WINNSBORO STATE BANK & TRUST COMPANY — 2025
What WINNSBORO STATE BANK & TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 362,991,000 | 385,565,000 | 381,327,000 | 397,020,000 |
| Total loans | 270,935,000 | 278,435,000 | 294,852,000 | 309,020,000 |
| Allowance for loan losses | 2,689,000 | 2,407,000 | 2,499,000 | 2,940,000 |
| Securities available for sale | 41,770,000 | 41,548,000 | 42,535,000 | 44,773,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 317,608,000 | 338,696,000 | 332,275,000 | 340,819,000 |
| Interest-bearing deposits | 266,159,000 | 287,396,000 | 280,066,000 | 286,161,000 |
| Noninterest-bearing deposits | 51,449,000 | 51,300,000 | 52,209,000 | 54,658,000 |
| Equity capital | 40,501,000 | 41,491,000 | 43,031,000 | 42,997,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,482,000 | 11,384,000 | 17,667,000 | 24,057,000 |
| Interest expense | 1,958,000 | 4,142,000 | 6,415,000 | 8,524,000 |
| Net interest income | 3,524,000 | 7,242,000 | 11,252,000 | 15,533,000 |
| Noninterest income | 414,000 | 813,000 | 1,288,000 | 1,738,000 |
| Noninterest expense | 2,653,000 | 5,372,000 | 8,302,000 | 11,382,000 |
| Provision for loan losses | 56,000 | 137,000 | 349,000 | 864,000 |
| Pretax income | 1,229,000 | 2,546,000 | 3,889,000 | 5,025,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,229,000 | 2,546,000 | 3,889,000 | 5,025,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,877,000 | 42,775,000 | 43,696,000 | 43,506,000 |
| Total capital | 44,692,000 | 45,308,000 | 46,321,000 | 46,572,000 |
| Risk-weighted assets | 275,975,000 | 279,381,000 | 296,000,000 | 309,355,000 |