Call reports 2004
BANK OF WAYNESBORO — 2004
What BANK OF WAYNESBORO reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 91,040,000 | 93,711,000 | 96,105,000 | 101,633,000 |
| Total loans | 65,772,000 | 69,857,000 | 71,382,000 | 76,354,000 |
| Allowance for loan losses | 1,598,000 | 1,644,000 | 1,896,000 | 1,960,000 |
| Securities available for sale | 12,088,000 | 11,740,000 | 11,803,000 | 11,673,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,052,000 | 76,719,000 | 80,279,000 | 85,994,000 |
| Interest-bearing deposits | 68,123,000 | 68,362,000 | 71,631,000 | 76,806,000 |
| Noninterest-bearing deposits | 7,928,000 | 8,358,000 | 8,648,000 | 9,187,000 |
| Equity capital | 9,814,000 | 9,841,000 | 9,992,000 | 10,088,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,222,000 | 2,515,000 | 3,872,000 | 5,264,000 |
| Interest expense | 266,000 | 547,000 | 869,000 | 1,240,000 |
| Net interest income | 956,000 | 1,968,000 | 3,003,000 | 4,024,000 |
| Noninterest income | 176,000 | 323,000 | 491,000 | 680,000 |
| Noninterest expense | 619,000 | 1,228,000 | 1,914,000 | 2,671,000 |
| Provision for loan losses | 60,000 | 152,000 | 289,000 | 357,000 |
| Pretax income | 453,000 | 912,000 | 1,292,000 | 1,678,000 |
| Income tax | 164,000 | 332,000 | 458,000 | 586,000 |
| Net income | 289,000 | 580,000 | 834,000 | 1,092,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,733,000 | 9,874,000 | 9,979,000 | 10,086,000 |
| Total capital | 10,545,000 | 10,734,000 | 10,849,000 | 11,021,000 |
| Risk-weighted assets | 63,930,000 | 67,653,000 | 68,265,000 | 73,501,000 |