Call reports 2015
WNB FINANCIAL, NATIONAL ASSOCIATION — 2015
What WNB FINANCIAL, NATIONAL ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 264,990,000 | 270,716,000 | 266,783,000 | 272,884,000 |
| Total loans | 129,101,000 | 134,015,000 | 141,490,000 | 145,679,000 |
| Allowance for loan losses | 1,855,000 | 1,600,000 | 1,730,000 | 1,883,000 |
| Securities available for sale | 124,037,000 | 118,476,000 | 111,945,000 | 109,843,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,634,000 | 231,343,000 | 226,681,000 | 233,038,000 |
| Interest-bearing deposits | 181,310,000 | 187,172,000 | 181,928,000 | 182,722,000 |
| Noninterest-bearing deposits | 42,324,000 | 44,171,000 | 44,752,000 | 50,316,000 |
| Equity capital | 36,670,000 | 36,065,000 | 36,517,000 | 36,445,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,474,000 | 5,025,000 | 7,579,000 | 10,163,000 |
| Interest expense | 184,000 | 354,000 | 516,000 | 677,000 |
| Net interest income | 2,290,000 | 4,671,000 | 7,063,000 | 9,486,000 |
| Noninterest income | 888,000 | 1,820,000 | 2,537,000 | 3,329,000 |
| Noninterest expense | 2,536,000 | 5,071,000 | 7,555,000 | 9,907,000 |
| Provision for loan losses | -37,000 | -47,000 | 53,000 | 188,000 |
| Pretax income | 668,000 | 1,445,000 | 1,837,000 | 2,511,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 668,000 | 1,445,000 | 1,837,000 | 2,511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,493,000 | 33,850,000 | 33,792,000 | 34,230,000 |
| Total capital | 35,458,000 | 35,560,000 | 35,632,000 | 36,113,000 |
| Risk-weighted assets | 174,238,000 | 174,335,000 | 181,427,000 | 185,425,000 |