Call reports 2008
WNB FINANCIAL, NATIONAL ASSOCIATION — 2008
What WNB FINANCIAL, NATIONAL ASSOCIATION reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 328,939,000 | 327,074,000 | 337,424,000 | 345,148,000 |
| Total loans | 165,907,000 | 167,420,000 | 175,147,000 | 185,153,000 |
| Allowance for loan losses | 1,277,000 | 1,308,000 | 1,598,000 | 1,522,000 |
| Securities available for sale | 142,777,000 | 139,336,000 | 142,944,000 | 139,237,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,331,000 | 197,791,000 | 211,049,000 | 237,154,000 |
| Interest-bearing deposits | 164,374,000 | 164,978,000 | 175,796,000 | 204,415,000 |
| Noninterest-bearing deposits | 34,957,000 | 32,813,000 | 35,252,000 | 32,739,000 |
| Equity capital | 31,870,000 | 27,317,000 | 21,918,000 | 17,668,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,688,000 | 9,616,000 | 14,846,000 | 20,053,000 |
| Interest expense | 1,855,000 | 3,678,000 | 5,633,000 | 7,587,000 |
| Net interest income | 2,833,000 | 5,938,000 | 9,213,000 | 12,466,000 |
| Noninterest income | 653,000 | 1,564,000 | 2,515,000 | 3,062,000 |
| Noninterest expense | 2,364,000 | 4,839,000 | 7,419,000 | 10,029,000 |
| Provision for loan losses | 152,000 | 277,000 | 549,000 | 972,000 |
| Pretax income | 970,000 | 2,386,000 | 3,803,000 | 4,570,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 970,000 | 2,386,000 | 3,803,000 | 4,570,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,573,000 | 31,427,000 | 31,988,000 | 28,996,000 |
| Total capital | 31,925,000 | 32,847,000 | 33,691,000 | 30,623,000 |
| Risk-weighted assets | 195,166,000 | 198,700,000 | 227,777,000 | 263,046,000 |