Call reports 2020
FIRST NATIONAL BANK OF WINNSBORO, THE — 2020
What FIRST NATIONAL BANK OF WINNSBORO, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 134,485,000 | 142,858,000 | 141,106,000 | 141,701,000 |
| Total loans | 85,375,000 | 83,604,000 | 83,146,000 | 83,982,000 |
| Allowance for loan losses | 1,162,000 | 1,143,000 | 1,189,000 | 1,667,000 |
| Securities available for sale | 18,854,000 | 21,236,000 | 21,528,000 | 23,451,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,593,000 | 110,018,000 | 108,270,000 | 108,824,000 |
| Interest-bearing deposits | 70,077,000 | 71,064,000 | 68,380,000 | 68,898,000 |
| Noninterest-bearing deposits | 32,516,000 | 38,954,000 | 39,890,000 | 39,926,000 |
| Equity capital | 28,876,000 | 29,728,000 | 29,707,000 | 29,733,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,489,000 | 2,851,000 | 4,235,000 | 5,604,000 |
| Interest expense | 140,000 | 268,000 | 373,000 | 468,000 |
| Net interest income | 1,349,000 | 2,583,000 | 3,862,000 | 5,136,000 |
| Noninterest income | 241,000 | 535,000 | 751,000 | 988,000 |
| Noninterest expense | 1,149,000 | 2,208,000 | 3,364,000 | 4,629,000 |
| Provision for loan losses | 105,000 | 105,000 | 105,000 | 585,000 |
| Pretax income | 320,000 | 793,000 | 1,142,000 | 902,000 |
| Income tax | 47,000 | 115,000 | 187,000 | -8,000 |
| Net income | 273,000 | 678,000 | 955,000 | 910,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,278,000 | 29,283,000 | 29,242,000 | 29,044,000 |