Call reports 2006
WNB FINANCIAL, NATIONAL ASSOCIATION — 2006
What WNB FINANCIAL, NATIONAL ASSOCIATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 258,306,000 | 263,180,000 | 264,153,000 | 259,468,000 |
| Total loans | 165,869,000 | 171,278,000 | 173,480,000 | 169,444,000 |
| Allowance for loan losses | 2,644,000 | 2,585,000 | 2,568,000 | 1,789,000 |
| Securities available for sale | 76,951,000 | 74,935,000 | 74,186,000 | 72,312,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,036,000 | 195,762,000 | 192,516,000 | 194,606,000 |
| Interest-bearing deposits | 160,144,000 | 166,300,000 | 162,956,000 | 162,671,000 |
| Noninterest-bearing deposits | 28,892,000 | 29,462,000 | 29,560,000 | 31,935,000 |
| Equity capital | 25,463,000 | 25,380,000 | 26,898,000 | 27,583,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,527,000 | 7,260,000 | 11,060,000 | 14,867,000 |
| Interest expense | 1,392,000 | 2,900,000 | 4,584,000 | 6,248,000 |
| Net interest income | 2,135,000 | 4,360,000 | 6,476,000 | 8,619,000 |
| Noninterest income | 673,000 | 1,473,000 | 2,399,000 | 3,267,000 |
| Noninterest expense | 1,992,000 | 4,104,000 | 6,254,000 | 8,334,000 |
| Provision for loan losses | 3,000 | 2,000 | 3,000 | -70,000 |
| Pretax income | 813,000 | 1,730,000 | 2,622,000 | 3,626,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 813,000 | 1,730,000 | 2,622,000 | 3,626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,773,000 | 26,836,000 | 27,153,000 | 27,852,000 |
| Total capital | 29,013,000 | 29,148,000 | 29,485,000 | 29,714,000 |
| Risk-weighted assets | 178,705,000 | 184,668,000 | 186,352,000 | 182,946,000 |
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