Call reports 2019
FIRST NATIONAL BANK OF WINNSBORO, THE — 2019
What FIRST NATIONAL BANK OF WINNSBORO, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 137,071,000 | 139,109,000 | 136,406,000 | 135,313,000 |
| Total loans | 87,460,000 | 88,965,000 | 87,574,000 | 88,440,000 |
| Allowance for loan losses | 988,000 | 1,083,000 | 1,080,000 | 1,074,000 |
| Securities available for sale | 21,000,000 | 20,867,000 | 20,801,000 | 19,820,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,564,000 | 106,079,000 | 102,586,000 | 102,889,000 |
| Interest-bearing deposits | 70,899,000 | 70,215,000 | 68,436,000 | 69,142,000 |
| Noninterest-bearing deposits | 33,665,000 | 35,864,000 | 34,150,000 | 33,747,000 |
| Equity capital | 26,487,000 | 26,916,000 | 27,681,000 | 28,798,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,546,000 | 3,209,000 | 4,847,000 | 6,423,000 |
| Interest expense | 149,000 | 331,000 | 492,000 | 653,000 |
| Net interest income | 1,397,000 | 2,878,000 | 4,355,000 | 5,770,000 |
| Noninterest income | 266,000 | 735,000 | 1,077,000 | 1,313,000 |
| Noninterest expense | 1,143,000 | 2,201,000 | 3,268,000 | 4,081,000 |
| Provision for loan losses | 0 | 100,000 | 100,000 | 100,000 |
| Pretax income | 520,000 | 1,312,000 | 2,064,000 | 2,913,000 |
| Income tax | 86,000 | 227,000 | 366,000 | 416,000 |
| Net income | 434,000 | 1,085,000 | 1,698,000 | 2,497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,427,000 | 27,812,000 | 28,428,000 | 28,552,000 |
| Total capital | 28,415,000 | 28,895,000 | 29,508,000 | 29,626,000 |
| Risk-weighted assets | 95,085,000 | 96,745,000 | 94,833,000 | 97,577,000 |