Call reports 2022
WNB FINANCIAL, NATIONAL ASSOCIATION — 2022
What WNB FINANCIAL, NATIONAL ASSOCIATION reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 558,223,000 | 561,359,000 | 553,967,000 | 546,306,000 |
| Total loans | 277,936,000 | 296,944,000 | 304,612,000 | 318,236,000 |
| Allowance for loan losses | 3,952,000 | 3,953,000 | 4,004,000 | 4,265,000 |
| Securities available for sale | 198,226,000 | 190,898,000 | 181,277,000 | 95,105,000 |
| Securities held to maturity | 0 | 0 | 0 | 83,624,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 501,673,000 | 513,204,000 | 511,376,000 | 497,475,000 |
| Interest-bearing deposits | 392,626,000 | 401,947,000 | 392,572,000 | 381,126,000 |
| Noninterest-bearing deposits | 109,048,000 | 111,258,000 | 118,805,000 | 116,350,000 |
| Equity capital | 54,125,000 | 45,372,000 | 39,389,000 | 45,982,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,957,000 | 8,089,000 | 12,653,000 | 17,458,000 |
| Interest expense | 301,000 | 607,000 | 956,000 | 1,374,000 |
| Net interest income | 3,656,000 | 7,482,000 | 11,697,000 | 16,084,000 |
| Noninterest income | 1,793,000 | 3,236,000 | 4,668,000 | 5,779,000 |
| Noninterest expense | 3,682,000 | 7,389,000 | 11,296,000 | 14,941,000 |
| Provision for loan losses | 0 | 0 | 150,000 | 300,000 |
| Pretax income | 1,767,000 | 3,329,000 | 4,919,000 | 6,622,000 |
| Income tax | 561,000 | 975,000 | 1,397,000 | 1,851,000 |
| Net income | 1,206,000 | 2,354,000 | 3,522,000 | 4,771,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,260,000 | 52,597,000 | 53,297,000 | 54,065,000 |