Call reports 2011
WNB FINANCIAL, NATIONAL ASSOCIATION — 2011
What WNB FINANCIAL, NATIONAL ASSOCIATION reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 310,516,000 | 292,686,000 | 294,269,000 | 279,195,000 |
| Total loans | 140,320,000 | 138,183,000 | 133,442,000 | 125,429,000 |
| Allowance for loan losses | 2,780,000 | 2,720,000 | 2,857,000 | 2,350,000 |
| Securities available for sale | 143,745,000 | 134,438,000 | 127,480,000 | 119,160,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 253,460,000 | 236,305,000 | 235,383,000 | 225,442,000 |
| Interest-bearing deposits | 221,317,000 | 201,842,000 | 198,337,000 | 183,349,000 |
| Noninterest-bearing deposits | 32,143,000 | 34,463,000 | 37,046,000 | 42,094,000 |
| Equity capital | 24,823,000 | 23,876,000 | 24,712,000 | 23,921,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,691,000 | 7,331,000 | 10,937,000 | 14,543,000 |
| Interest expense | 1,159,000 | 2,308,000 | 3,230,000 | 4,097,000 |
| Net interest income | 2,532,000 | 5,023,000 | 7,707,000 | 10,446,000 |
| Noninterest income | 987,000 | 1,602,000 | 2,294,000 | 3,422,000 |
| Noninterest expense | 2,542,000 | 5,034,000 | 7,378,000 | 9,976,000 |
| Provision for loan losses | 100,000 | 100,000 | 100,000 | 100,000 |
| Pretax income | 103,000 | 372,000 | 1,001,000 | 1,620,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 103,000 | 372,000 | 1,001,000 | 1,620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,538,000 | 28,825,000 | 29,477,000 | 29,711,000 |
| Total capital | 31,183,000 | 31,328,000 | 31,917,000 | 32,046,000 |
| Risk-weighted assets | 211,361,000 | 200,708,000 | 194,672,000 | 186,656,000 |