Call reports 2012
WNB FINANCIAL, NATIONAL ASSOCIATION — 2012
What WNB FINANCIAL, NATIONAL ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 256,234,000 | 246,865,000 | 246,269,000 | 257,690,000 |
| Total loans | 122,351,000 | 123,669,000 | 120,027,000 | 120,934,000 |
| Allowance for loan losses | 2,308,000 | 2,204,000 | 2,223,000 | 2,122,000 |
| Securities available for sale | 113,484,000 | 106,990,000 | 109,519,000 | 119,725,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,829,000 | 198,168,000 | 199,273,000 | 206,570,000 |
| Interest-bearing deposits | 171,440,000 | 162,173,000 | 161,099,000 | 164,404,000 |
| Noninterest-bearing deposits | 36,389,000 | 35,996,000 | 38,174,000 | 42,166,000 |
| Equity capital | 25,814,000 | 25,641,000 | 28,248,000 | 30,019,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,132,000 | 6,107,000 | 8,898,000 | 11,522,000 |
| Interest expense | 593,000 | 988,000 | 1,317,000 | 1,625,000 |
| Net interest income | 2,539,000 | 5,119,000 | 7,581,000 | 9,897,000 |
| Noninterest income | 747,000 | 1,555,000 | 2,492,000 | 3,555,000 |
| Noninterest expense | 2,491,000 | 5,000,000 | 7,345,000 | 9,950,000 |
| Provision for loan losses | -104,000 | -153,000 | -171,000 | -228,000 |
| Pretax income | 593,000 | 1,726,000 | 2,294,000 | 2,839,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 593,000 | 1,726,000 | 2,294,000 | 2,839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,312,000 | 30,657,000 | 30,734,000 | 30,978,000 |
| Total capital | 32,568,000 | 32,916,000 | 32,927,000 | 33,200,000 |
| Risk-weighted assets | 180,323,000 | 180,662,000 | 175,312,000 | 177,766,000 |