Call reports 2001
BANK OF WAYNESBORO — 2001
What BANK OF WAYNESBORO reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 73,280,000 | 73,968,000 | 73,636,000 | 72,932,000 |
| Total loans | 31,984,000 | 37,576,000 | 39,388,000 | 40,778,000 |
| Allowance for loan losses | 1,347,000 | 1,380,000 | 1,405,000 | 1,572,000 |
| Securities available for sale | 14,976,000 | 23,283,000 | 21,090,000 | 25,574,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,314,000 | 64,828,000 | 64,406,000 | 63,736,000 |
| Interest-bearing deposits | 59,011,000 | 59,239,000 | 58,935,000 | 58,160,000 |
| Noninterest-bearing deposits | 5,303,000 | 5,589,000 | 5,471,000 | 5,576,000 |
| Equity capital | 8,202,000 | 8,376,000 | 8,528,000 | 8,326,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,411,000 | 2,765,000 | 4,099,000 | 5,367,000 |
| Interest expense | 729,000 | 1,398,000 | 2,009,000 | 2,526,000 |
| Net interest income | 682,000 | 1,367,000 | 2,090,000 | 2,841,000 |
| Noninterest income | 59,000 | 139,000 | 211,000 | 285,000 |
| Noninterest expense | 475,000 | 978,000 | 1,453,000 | 1,912,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 275,000 |
| Pretax income | 191,000 | 379,000 | 624,000 | 940,000 |
| Income tax | 58,000 | 117,000 | 198,000 | 302,000 |
| Net income | 133,000 | 262,000 | 426,000 | 638,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,100,000 | 8,229,000 | 8,393,000 | 8,305,000 |
| Total capital | 8,544,000 | 8,724,000 | 8,916,000 | 8,842,000 |
| Risk-weighted assets | 34,594,000 | 38,717,000 | 40,974,000 | 41,964,000 |