Call reports 2009
FIRST NATIONAL BANK OF WINNSBORO, THE — 2009
What FIRST NATIONAL BANK OF WINNSBORO, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 138,751,000 | 144,391,000 | 142,551,000 | 146,223,000 |
| Total loans | 105,972,000 | 109,882,000 | 108,831,000 | 103,740,000 |
| Allowance for loan losses | 951,000 | 997,000 | 1,736,000 | 1,693,000 |
| Securities available for sale | 7,961,000 | 7,941,000 | 8,308,000 | 7,956,000 |
| Securities held to maturity | 5,562,000 | 5,526,000 | 5,311,000 | 5,279,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,523,000 | 98,495,000 | 95,478,000 | 102,835,000 |
| Interest-bearing deposits | 70,800,000 | 77,003,000 | 74,341,000 | 80,860,000 |
| Noninterest-bearing deposits | 21,723,000 | 21,492,000 | 21,137,000 | 21,975,000 |
| Equity capital | 20,770,000 | 21,081,000 | 21,408,000 | 22,202,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,820,000 | 3,734,000 | 5,620,000 | 7,462,000 |
| Interest expense | 346,000 | 647,000 | 935,000 | 1,221,000 |
| Net interest income | 1,474,000 | 3,087,000 | 4,685,000 | 6,241,000 |
| Noninterest income | 311,000 | 547,000 | 871,000 | 1,242,000 |
| Noninterest expense | 1,097,000 | 2,190,000 | 3,303,000 | 4,610,000 |
| Provision for loan losses | 40,000 | 340,000 | 1,148,000 | 1,148,000 |
| Pretax income | 648,000 | 1,104,000 | 1,105,000 | 1,725,000 |
| Income tax | 176,000 | 273,000 | 231,000 | 392,000 |
| Net income | 472,000 | 831,000 | 874,000 | 1,333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,797,000 | 23,060,000 | 23,112,000 | 23,574,000 |
| Total capital | 23,748,000 | 24,057,000 | 24,567,000 | 25,018,000 |
| Risk-weighted assets | 113,705,000 | 117,918,000 | 116,159,000 | 115,249,000 |
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