Call reports 2014
FIRST NATIONAL BANK OF WINNSBORO, THE — 2014
What FIRST NATIONAL BANK OF WINNSBORO, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 137,068,000 | 139,307,000 | 139,771,000 | 138,410,000 |
| Total loans | 79,545,000 | 79,655,000 | 81,856,000 | 81,155,000 |
| Allowance for loan losses | 1,332,000 | 1,361,000 | 1,371,000 | 1,354,000 |
| Securities available for sale | 22,647,000 | 22,384,000 | 22,519,000 | 22,144,000 |
| Securities held to maturity | 178,000 | 167,000 | 155,000 | 141,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,484,000 | 111,264,000 | 111,304,000 | 109,826,000 |
| Interest-bearing deposits | 84,886,000 | 85,590,000 | 84,217,000 | 80,870,000 |
| Noninterest-bearing deposits | 24,598,000 | 25,674,000 | 27,087,000 | 28,956,000 |
| Equity capital | 23,469,000 | 23,934,000 | 24,310,000 | 23,879,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,299,000 | 2,601,000 | 3,926,000 | 5,218,000 |
| Interest expense | 99,000 | 197,000 | 293,000 | 387,000 |
| Net interest income | 1,200,000 | 2,404,000 | 3,633,000 | 4,831,000 |
| Noninterest income | 306,000 | 598,000 | 924,000 | 1,212,000 |
| Noninterest expense | 1,010,000 | 2,127,000 | 3,133,000 | 4,418,000 |
| Provision for loan losses | 35,000 | 35,000 | 35,000 | 35,000 |
| Pretax income | 461,000 | 840,000 | 1,389,000 | 1,590,000 |
| Income tax | 108,000 | 187,000 | 312,000 | 329,000 |
| Net income | 353,000 | 653,000 | 1,077,000 | 1,261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,341,000 | 23,807,000 | 24,280,000 | 24,087,000 |
| Total capital | 24,479,000 | 24,955,000 | 25,446,000 | 25,243,000 |
| Risk-weighted assets | 90,835,000 | 91,612,000 | 93,049,000 | 92,288,000 |
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