Call reports 2025
FIRST NATIONAL BANK OF WINNSBORO, THE — 2025
What FIRST NATIONAL BANK OF WINNSBORO, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 161,640,000 | 160,375,000 | 158,068,000 | 155,841,000 |
| Total loans | 98,048,000 | 97,073,000 | 96,892,000 | 92,002,000 |
| Allowance for loan losses | 1,320,000 | 1,314,000 | 1,347,000 | 1,345,000 |
| Securities available for sale | 30,200,000 | 29,290,000 | 30,115,000 | 30,197,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,960,000 | 122,383,000 | 121,012,000 | 120,204,000 |
| Interest-bearing deposits | 75,557,000 | 76,054,000 | 76,289,000 | 77,002,000 |
| Noninterest-bearing deposits | 47,403,000 | 46,329,000 | 44,723,000 | 43,202,000 |
| Equity capital | 30,966,000 | 31,267,000 | 32,198,000 | 32,184,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,338,000 | 4,671,000 | 7,048,000 | 9,358,000 |
| Interest expense | 491,000 | 944,000 | 1,402,000 | 1,840,000 |
| Net interest income | 1,847,000 | 3,727,000 | 5,646,000 | 7,518,000 |
| Noninterest income | 248,000 | 503,000 | 789,000 | 1,071,000 |
| Noninterest expense | 1,086,000 | 2,202,000 | 3,358,000 | 4,831,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,011,000 | 2,030,000 | 3,080,000 | 3,761,000 |
| Income tax | 178,000 | 364,000 | 560,000 | 654,000 |
| Net income | 833,000 | 1,666,000 | 2,520,000 | 3,107,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,369,000 | 34,203,000 | 34,341,000 | 34,110,000 |