Call reports 2003
BANK OF WAYNESBORO — 2003
What BANK OF WAYNESBORO reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 75,957,000 | 77,943,000 | 80,404,000 | 85,322,000 |
| Total loans | 47,243,000 | 52,305,000 | 56,204,000 | 60,963,000 |
| Allowance for loan losses | 1,688,000 | 1,720,000 | 1,704,000 | 1,749,000 |
| Securities available for sale | 12,139,000 | 11,297,000 | 11,457,000 | 11,073,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,243,000 | 66,470,000 | 68,789,000 | 70,622,000 |
| Interest-bearing deposits | 59,859,000 | 59,723,000 | 61,855,000 | 62,760,000 |
| Noninterest-bearing deposits | 6,384,000 | 6,747,000 | 6,935,000 | 7,862,000 |
| Equity capital | 9,094,000 | 9,376,000 | 9,517,000 | 9,604,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,059,000 | 2,180,000 | 3,317,000 | 4,495,000 |
| Interest expense | 315,000 | 613,000 | 889,000 | 1,150,000 |
| Net interest income | 744,000 | 1,567,000 | 2,428,000 | 3,345,000 |
| Noninterest income | 125,000 | 249,000 | 384,000 | 515,000 |
| Noninterest expense | 485,000 | 995,000 | 1,523,000 | 2,100,000 |
| Provision for loan losses | 15,000 | 35,000 | 65,000 | 205,000 |
| Pretax income | 369,000 | 801,000 | 1,240,000 | 1,578,000 |
| Income tax | 133,000 | 289,000 | 451,000 | 553,000 |
| Net income | 236,000 | 512,000 | 789,000 | 1,025,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,090,000 | 9,261,000 | 9,441,000 | 9,535,000 |
| Total capital | 9,721,000 | 9,947,000 | 10,163,000 | 10,296,000 |
| Risk-weighted assets | 49,394,000 | 53,715,000 | 56,807,000 | 59,816,000 |