Call reports 2016
FIRST NATIONAL BANK OF WINNSBORO, THE — 2016
What FIRST NATIONAL BANK OF WINNSBORO, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 138,862,000 | 142,512,000 | 139,908,000 | 136,908,000 |
| Total loans | 89,937,000 | 90,479,000 | 89,435,000 | 88,094,000 |
| Allowance for loan losses | 1,334,000 | 1,331,000 | 1,209,000 | 1,069,000 |
| Securities available for sale | 21,071,000 | 20,325,000 | 20,951,000 | 22,333,000 |
| Securities held to maturity | 78,000 | 68,000 | 59,000 | 48,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,567,000 | 112,784,000 | 110,023,000 | 107,643,000 |
| Interest-bearing deposits | 80,282,000 | 82,005,000 | 80,105,000 | 78,760,000 |
| Noninterest-bearing deposits | 29,285,000 | 30,779,000 | 29,918,000 | 28,883,000 |
| Equity capital | 24,907,000 | 25,281,000 | 25,339,000 | 24,653,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,404,000 | 2,782,000 | 4,169,000 | 5,550,000 |
| Interest expense | 96,000 | 198,000 | 299,000 | 397,000 |
| Net interest income | 1,308,000 | 2,584,000 | 3,870,000 | 5,153,000 |
| Noninterest income | 254,000 | 518,000 | 798,000 | 1,049,000 |
| Noninterest expense | 1,170,000 | 2,282,000 | 3,375,000 | 4,546,000 |
| Provision for loan losses | 0 | 0 | 0 | 500,000 |
| Pretax income | 392,000 | 820,000 | 1,293,000 | 1,156,000 |
| Income tax | 91,000 | 196,000 | 317,000 | 223,000 |
| Net income | 301,000 | 624,000 | 976,000 | 933,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,131,000 | 25,453,000 | 25,582,000 | 25,069,000 |
| Total capital | 26,356,000 | 26,686,000 | 26,791,000 | 26,138,000 |
| Risk-weighted assets | 97,006,000 | 97,655,000 | 96,861,000 | 95,492,000 |