Call reports 2019
WNB FINANCIAL, NATIONAL ASSOCIATION — 2019
What WNB FINANCIAL, NATIONAL ASSOCIATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 415,295,000 | 413,914,000 | 417,535,000 | 415,474,000 |
| Total loans | 248,418,000 | 251,589,000 | 247,373,000 | 243,914,000 |
| Allowance for loan losses | 2,655,000 | 2,692,000 | 2,714,000 | 2,833,000 |
| Securities available for sale | 107,989,000 | 124,057,000 | 125,778,000 | 135,813,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 356,517,000 | 347,556,000 | 356,930,000 | 354,294,000 |
| Interest-bearing deposits | 285,602,000 | 278,474,000 | 283,940,000 | 280,113,000 |
| Noninterest-bearing deposits | 70,915,000 | 69,082,000 | 72,990,000 | 74,180,000 |
| Equity capital | 54,321,000 | 56,586,000 | 57,902,000 | 58,289,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,163,000 | 8,348,000 | 12,548,000 | 16,666,000 |
| Interest expense | 483,000 | 934,000 | 1,396,000 | 1,859,000 |
| Net interest income | 3,680,000 | 7,414,000 | 11,152,000 | 14,807,000 |
| Noninterest income | 960,000 | 1,627,000 | 2,530,000 | 3,762,000 |
| Noninterest expense | 3,683,000 | 6,902,000 | 10,211,000 | 13,631,000 |
| Provision for loan losses | 58,000 | 210,000 | 300,000 | 438,000 |
| Pretax income | 922,000 | 1,987,000 | 3,924,000 | 5,253,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 922,000 | 1,987,000 | 3,924,000 | 5,253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,343,000 | 41,199,000 | 42,896,000 | 43,804,000 |
| Total capital | 42,998,000 | 43,891,000 | 45,610,000 | 46,637,000 |
| Risk-weighted assets | 267,449,000 | 269,539,000 | 278,558,000 | 277,538,000 |