Call reports 2009
WNB FINANCIAL, NATIONAL ASSOCIATION — 2009
What WNB FINANCIAL, NATIONAL ASSOCIATION reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 347,167,000 | 338,289,000 | 334,871,000 | 342,948,000 |
| Total loans | 183,064,000 | 176,537,000 | 175,406,000 | 165,190,000 |
| Allowance for loan losses | 1,566,000 | 3,569,000 | 3,465,000 | 3,334,000 |
| Securities available for sale | 130,837,000 | 125,708,000 | 123,870,000 | 129,859,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 256,751,000 | 256,836,000 | 261,062,000 | 271,134,000 |
| Interest-bearing deposits | 222,840,000 | 223,400,000 | 231,214,000 | 237,572,000 |
| Noninterest-bearing deposits | 33,911,000 | 33,435,000 | 29,848,000 | 33,562,000 |
| Equity capital | 11,933,000 | 3,285,000 | 9,571,000 | 11,914,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,257,000 | 10,739,000 | 15,770,000 | 20,355,000 |
| Interest expense | 2,035,000 | 3,925,000 | 5,918,000 | 7,609,000 |
| Net interest income | 3,222,000 | 6,814,000 | 9,852,000 | 12,746,000 |
| Noninterest income | 476,000 | 1,185,000 | 2,014,000 | 2,504,000 |
| Noninterest expense | 2,547,000 | 4,893,000 | 7,108,000 | 9,716,000 |
| Provision for loan losses | 385,000 | 3,611,000 | 3,940,000 | 4,342,000 |
| Pretax income | 766,000 | -414,000 | 1,326,000 | -4,367,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 766,000 | -414,000 | 1,326,000 | -4,367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,984,000 | 28,263,000 | 29,574,000 | 23,910,000 |
| Total capital | 31,645,000 | 30,623,000 | 32,499,000 | 26,710,000 |
| Risk-weighted assets | 274,585,000 | 271,834,000 | 265,363,000 | 246,530,000 |