Call reports 2023
WNB FINANCIAL, NATIONAL ASSOCIATION — 2023
What WNB FINANCIAL, NATIONAL ASSOCIATION reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 548,399,000 | 557,792,000 | 578,414,000 | 577,241,000 |
| Total loans | 323,116,000 | 331,987,000 | 337,304,000 | 347,106,000 |
| Allowance for loan losses | 4,416,000 | 4,407,000 | 4,425,000 | 4,439,000 |
| Securities available for sale | 94,644,000 | 91,281,000 | 87,789,000 | 84,542,000 |
| Securities held to maturity | 82,285,000 | 80,827,000 | 79,138,000 | 77,756,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 464,770,000 | 472,060,000 | 484,288,000 | 479,798,000 |
| Interest-bearing deposits | 354,901,000 | 371,929,000 | 370,554,000 | 375,726,000 |
| Noninterest-bearing deposits | 109,870,000 | 100,131,000 | 113,734,000 | 104,072,000 |
| Equity capital | 48,326,000 | 47,911,000 | 47,740,000 | 50,884,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,769,000 | 9,984,000 | 15,183,000 | 20,920,000 |
| Interest expense | 784,000 | 2,129,000 | 3,732,000 | 5,670,000 |
| Net interest income | 3,985,000 | 7,855,000 | 11,451,000 | 15,250,000 |
| Noninterest income | 1,470,000 | 2,601,000 | 4,161,000 | 5,383,000 |
| Noninterest expense | 3,918,000 | 7,896,000 | 11,873,000 | 15,818,000 |
| Provision for loan losses | 150,000 | 200,000 | 245,000 | 295,000 |
| Pretax income | 1,387,000 | 2,357,000 | 3,490,000 | 4,508,000 |
| Income tax | 379,000 | 625,000 | 906,000 | 756,000 |
| Net income | 1,008,000 | 1,732,000 | 2,584,000 | 3,752,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,577,000 | 54,815,000 | 55,275,000 | 56,023,000 |