Call reports 2003
WNB FINANCIAL, NATIONAL ASSOCIATION — 2003
What WNB FINANCIAL, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 236,903,000 | 235,383,000 | 237,724,000 | 232,942,000 |
| Total loans | 146,741,000 | 146,495,000 | 144,437,000 | 144,857,000 |
| Allowance for loan losses | 3,310,000 | 3,280,000 | 2,978,000 | 2,939,000 |
| Securities available for sale | 75,428,000 | 73,794,000 | 80,517,000 | 77,081,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,450,000 | 195,669,000 | 191,798,000 | 194,125,000 |
| Interest-bearing deposits | 172,944,000 | 170,263,000 | 164,540,000 | 166,177,000 |
| Noninterest-bearing deposits | 25,506,000 | 25,406,000 | 27,259,000 | 27,948,000 |
| Equity capital | 25,521,000 | 26,751,000 | 26,276,000 | 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 | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,317,000 | 6,472,000 | 9,461,000 | 12,311,000 |
| Interest expense | 879,000 | 1,702,000 | 2,420,000 | 3,077,000 |
| Net interest income | 2,438,000 | 4,770,000 | 7,041,000 | 9,234,000 |
| Noninterest income | 505,000 | 940,000 | 1,511,000 | 2,153,000 |
| Noninterest expense | 2,108,000 | 4,031,000 | 6,093,000 | 8,393,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 175,000 |
| Pretax income | 1,339,000 | 2,153,000 | 2,903,000 | 3,481,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,339,000 | 2,153,000 | 2,903,000 | 3,481,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,068,000 | 24,551,000 | 24,824,000 | 24,862,000 |
| Total capital | 26,073,000 | 26,577,000 | 26,857,000 | 26,877,000 |
| Risk-weighted assets | 159,065,000 | 160,804,000 | 161,663,000 | 160,261,000 |