Call reports 2005
WNB FINANCIAL, NATIONAL ASSOCIATION — 2005
What WNB FINANCIAL, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 257,134,000 | 265,794,000 | 264,620,000 | 258,871,000 |
| Total loans | 157,669,000 | 166,332,000 | 167,026,000 | 164,023,000 |
| Allowance for loan losses | 2,799,000 | 2,752,000 | 2,805,000 | 2,737,000 |
| Securities available for sale | 85,338,000 | 84,879,000 | 81,131,000 | 78,874,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,198,000 | 182,829,000 | 182,519,000 | 184,457,000 |
| Interest-bearing deposits | 155,816,000 | 154,850,000 | 153,768,000 | 154,885,000 |
| Noninterest-bearing deposits | 25,382,000 | 27,979,000 | 28,751,000 | 29,572,000 |
| Equity capital | 25,845,000 | 26,077,000 | 25,596,000 | 25,490,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,145,000 | 6,507,000 | 10,015,000 | 13,549,000 |
| Interest expense | 877,000 | 1,867,000 | 3,052,000 | 4,358,000 |
| Net interest income | 2,268,000 | 4,640,000 | 6,963,000 | 9,191,000 |
| Noninterest income | 551,000 | 1,168,000 | 1,790,000 | 2,452,000 |
| Noninterest expense | 2,086,000 | 4,181,000 | 6,280,000 | 8,190,000 |
| Provision for loan losses | 0 | 0 | 108,000 | 125,000 |
| Pretax income | 711,000 | 1,605,000 | 2,343,000 | 3,257,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 711,000 | 1,605,000 | 2,343,000 | 3,257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,511,000 | 25,766,000 | 26,031,000 | 26,444,000 |
| Total capital | 28,658,000 | 28,006,000 | 28,311,000 | 28,661,000 |
| Risk-weighted assets | 170,923,000 | 178,678,000 | 181,861,000 | 176,829,000 |
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