Call reports 2007
WNB FINANCIAL, NATIONAL ASSOCIATION — 2007
What WNB FINANCIAL, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 255,024,000 | 255,942,000 | 254,589,000 | 288,221,000 |
| Total loans | 169,562,000 | 169,214,000 | 164,397,000 | 164,134,000 |
| Allowance for loan losses | 1,736,000 | 1,687,000 | 1,484,000 | 1,287,000 |
| Securities available for sale | 68,515,000 | 71,107,000 | 72,933,000 | 104,334,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,608,000 | 196,367,000 | 193,732,000 | 200,218,000 |
| Interest-bearing deposits | 165,990,000 | 167,473,000 | 163,541,000 | 165,952,000 |
| Noninterest-bearing deposits | 29,618,000 | 28,894,000 | 30,191,000 | 34,266,000 |
| Equity capital | 29,449,000 | 29,484,000 | 30,312,000 | 30,535,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,718,000 | 7,557,000 | 11,495,000 | 15,635,000 |
| Interest expense | 1,619,000 | 3,262,000 | 4,939,000 | 6,662,000 |
| Net interest income | 2,099,000 | 4,295,000 | 6,556,000 | 8,973,000 |
| Noninterest income | 1,066,000 | 2,102,000 | 2,947,000 | 3,736,000 |
| Noninterest expense | 2,192,000 | 4,453,000 | 6,853,000 | 9,040,000 |
| Provision for loan losses | -1,000 | -3,000 | 40,000 | 165,000 |
| Pretax income | 982,000 | 1,864,000 | 2,527,000 | 3,421,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 982,000 | 1,864,000 | 2,527,000 | 3,421,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,232,000 | 29,690,000 | 29,875,000 | 30,226,000 |
| Total capital | 31,042,000 | 31,458,000 | 31,427,000 | 31,606,000 |
| Risk-weighted assets | 182,851,000 | 185,116,000 | 183,185,000 | 185,286,000 |