Call reports 2015
FIRST NATIONAL BANK OF WINNSBORO, THE — 2015
What FIRST NATIONAL BANK OF WINNSBORO, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 137,321,000 | 137,021,000 | 138,238,000 | 139,612,000 |
| Total loans | 82,411,000 | 86,797,000 | 88,539,000 | 89,840,000 |
| Allowance for loan losses | 1,349,000 | 1,353,000 | 1,342,000 | 1,339,000 |
| Securities available for sale | 21,456,000 | 21,207,000 | 21,435,000 | 19,698,000 |
| Securities held to maturity | 129,000 | 118,000 | 105,000 | 90,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,785,000 | 108,218,000 | 109,167,000 | 110,043,000 |
| Interest-bearing deposits | 80,410,000 | 79,356,000 | 79,346,000 | 80,029,000 |
| Noninterest-bearing deposits | 28,375,000 | 28,862,000 | 29,821,000 | 30,014,000 |
| Equity capital | 24,235,000 | 24,266,000 | 24,707,000 | 24,715,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,289,000 | 2,697,000 | 4,077,000 | 5,581,000 |
| Interest expense | 92,000 | 185,000 | 280,000 | 377,000 |
| Net interest income | 1,197,000 | 2,512,000 | 3,797,000 | 5,204,000 |
| Noninterest income | 266,000 | 542,000 | 809,000 | 1,117,000 |
| Noninterest expense | 1,042,000 | 2,122,000 | 3,158,000 | 4,518,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 421,000 | 932,000 | 1,448,000 | 1,856,000 |
| Income tax | 84,000 | 220,000 | 348,000 | 121,000 |
| Net income | 337,000 | 712,000 | 1,100,000 | 1,735,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,517,000 | 24,727,000 | 25,270,000 | 25,045,000 |
| Total capital | 25,698,000 | 25,949,000 | 26,493,000 | 26,264,000 |
| Risk-weighted assets | 94,355,000 | 96,989,000 | 97,235,000 | 96,725,000 |