Call reports 2010
WNB FINANCIAL, NATIONAL ASSOCIATION — 2010
What WNB FINANCIAL, NATIONAL ASSOCIATION reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 329,595,000 | 335,737,000 | 324,101,000 | 322,169,000 |
| Total loans | 160,384,000 | 154,690,000 | 148,764,000 | 144,331,000 |
| Allowance for loan losses | 3,203,000 | 2,949,000 | 2,758,000 | 2,781,000 |
| Securities available for sale | 133,777,000 | 137,745,000 | 137,412,000 | 134,751,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 255,785,000 | 259,015,000 | 261,237,000 | 264,502,000 |
| Interest-bearing deposits | 225,244,000 | 226,872,000 | 228,695,000 | 228,260,000 |
| Noninterest-bearing deposits | 30,541,000 | 32,142,000 | 32,542,000 | 36,242,000 |
| Equity capital | 16,378,000 | 19,908,000 | 19,895,000 | 22,638,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,376,000 | 8,600,000 | 12,725,000 | 16,824,000 |
| Interest expense | 1,529,000 | 3,048,000 | 4,623,000 | 5,940,000 |
| Net interest income | 2,847,000 | 5,552,000 | 8,102,000 | 10,884,000 |
| Noninterest income | 1,109,000 | 1,865,000 | 2,128,000 | 2,952,000 |
| Noninterest expense | 2,739,000 | 5,515,000 | 8,143,000 | 10,851,000 |
| Provision for loan losses | 541,000 | 1,268,000 | 1,693,000 | 2,402,000 |
| Pretax income | 128,000 | 0 | -395,000 | -406,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 128,000 | 0 | -395,000 | -406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,015,000 | 26,887,000 | 26,536,000 | 28,462,000 |
| Total capital | 26,732,000 | 29,750,000 | 29,334,000 | 31,173,000 |
| Risk-weighted assets | 239,268,000 | 228,864,000 | 223,769,000 | 216,755,000 |
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