Call reports 2013
WNB FINANCIAL, NATIONAL ASSOCIATION — 2013
What WNB FINANCIAL, NATIONAL ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 250,813,000 | 258,025,000 | 251,400,000 | 259,943,000 |
| Total loans | 115,725,000 | 117,368,000 | 114,631,000 | 119,802,000 |
| Allowance for loan losses | 2,199,000 | 2,134,000 | 2,040,000 | 1,910,000 |
| Securities available for sale | 123,541,000 | 116,051,000 | 115,713,000 | 124,409,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,392,000 | 215,531,000 | 206,460,000 | 209,239,000 |
| Interest-bearing deposits | 167,552,000 | 174,642,000 | 165,988,000 | 165,879,000 |
| Noninterest-bearing deposits | 38,840,000 | 40,889,000 | 40,472,000 | 43,360,000 |
| Equity capital | 31,998,000 | 31,140,000 | 31,620,000 | 31,537,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,454,000 | 4,861,000 | 7,256,000 | 9,791,000 |
| Interest expense | 269,000 | 497,000 | 703,000 | 911,000 |
| Net interest income | 2,185,000 | 4,364,000 | 6,553,000 | 8,880,000 |
| Noninterest income | 1,218,000 | 2,253,000 | 3,228,000 | 4,054,000 |
| Noninterest expense | 2,499,000 | 4,992,000 | 7,470,000 | 9,950,000 |
| Provision for loan losses | -54,000 | -99,000 | -163,000 | -212,000 |
| Pretax income | 736,000 | 1,374,000 | 2,090,000 | 2,779,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 736,000 | 1,374,000 | 2,090,000 | 2,779,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,407,000 | 31,525,000 | 31,823,000 | 32,056,000 |
| Total capital | 33,542,000 | 33,655,000 | 33,912,000 | 34,076,000 |
| Risk-weighted assets | 170,604,000 | 170,324,000 | 167,036,000 | 171,431,000 |