Call reports 2004
WNB FINANCIAL, NATIONAL ASSOCIATION — 2004
What WNB FINANCIAL, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 233,877,000 | 243,637,000 | 257,143,000 | 256,123,000 |
| Total loans | 145,285,000 | 149,227,000 | 154,365,000 | 156,080,000 |
| Allowance for loan losses | 3,009,000 | 3,049,000 | 3,080,000 | 2,911,000 |
| Securities available for sale | 77,588,000 | 82,977,000 | 90,581,000 | 88,046,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,653,000 | 190,541,000 | 192,025,000 | 187,013,000 |
| Interest-bearing deposits | 161,542,000 | 163,795,000 | 166,217,000 | 159,337,000 |
| Noninterest-bearing deposits | 28,112,000 | 26,746,000 | 25,808,000 | 27,676,000 |
| Equity capital | 26,814,000 | 25,426,000 | 27,128,000 | 26,682,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,765,000 | 5,462,000 | 8,491,000 | 11,566,000 |
| Interest expense | 598,000 | 1,182,000 | 1,920,000 | 2,746,000 |
| Net interest income | 2,167,000 | 4,280,000 | 6,571,000 | 8,820,000 |
| Noninterest income | 557,000 | 1,116,000 | 1,657,000 | 2,299,000 |
| Noninterest expense | 2,029,000 | 3,939,000 | 5,803,000 | 7,876,000 |
| Provision for loan losses | 75,000 | 100,000 | 115,000 | 115,000 |
| Pretax income | 580,000 | 1,609,000 | 2,703,000 | 3,521,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 580,000 | 1,609,000 | 2,703,000 | 3,521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,134,000 | 25,694,000 | 26,260,000 | 26,295,000 |
| Total capital | 27,148,000 | 27,692,000 | 28,390,000 | 28,410,000 |
| Risk-weighted assets | 160,139,000 | 158,812,000 | 169,425,000 | 168,383,000 |