Call reports 2002
WNB FINANCIAL, NATIONAL ASSOCIATION — 2002
What WNB FINANCIAL, NATIONAL ASSOCIATION reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 232,987,000 | 239,642,000 | 237,828,000 | 240,824,000 |
| Total loans | 155,630,000 | 160,415,000 | 158,636,000 | 150,371,000 |
| Allowance for loan losses | 3,361,000 | 3,382,000 | 3,543,000 | 3,252,000 |
| Securities available for sale | 60,711,000 | 65,746,000 | 63,072,000 | 74,360,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,222,000 | 196,445,000 | 197,264,000 | 201,526,000 |
| Interest-bearing deposits | 175,117,000 | 172,380,000 | 172,854,000 | 175,030,000 |
| Noninterest-bearing deposits | 22,105,000 | 24,066,000 | 24,411,000 | 26,496,000 |
| Equity capital | 22,499,000 | 24,446,000 | 25,922,000 | 25,875,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,660,000 | 7,329,000 | 10,928,000 | 14,484,000 |
| Interest expense | 1,310,000 | 2,575,000 | 3,772,000 | 4,854,000 |
| Net interest income | 2,350,000 | 4,754,000 | 7,156,000 | 9,630,000 |
| Noninterest income | 440,000 | 925,000 | 1,740,000 | 2,125,000 |
| Noninterest expense | 1,864,000 | 3,792,000 | 5,748,000 | 7,686,000 |
| Provision for loan losses | 135,000 | 345,000 | 530,000 | 560,000 |
| Pretax income | 791,000 | 1,542,000 | 2,618,000 | 3,509,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 791,000 | 1,542,000 | 2,618,000 | 3,509,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,424,000 | 22,877,000 | 23,399,000 | 23,526,000 |
| Total capital | 24,503,000 | 25,018,000 | 25,498,000 | 25,565,000 |
| Risk-weighted assets | 165,029,000 | 170,014,000 | 166,402,000 | 161,898,000 |