Call reports 2005
BANK OF WAYNESBORO — 2005
What BANK OF WAYNESBORO reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 110,591,000 | 115,279,000 | 117,329,000 | 121,637,000 |
| Total loans | 84,107,000 | 89,065,000 | 90,440,000 | 92,908,000 |
| Allowance for loan losses | 2,003,000 | 2,144,000 | 2,117,000 | 2,218,000 |
| Securities available for sale | 12,349,000 | 12,113,000 | 12,005,000 | 13,506,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,761,000 | 97,221,000 | 98,859,000 | 104,576,000 |
| Interest-bearing deposits | 84,467,000 | 85,628,000 | 87,334,000 | 93,020,000 |
| Noninterest-bearing deposits | 10,293,000 | 11,593,000 | 11,525,000 | 11,556,000 |
| Equity capital | 10,222,000 | 10,547,000 | 10,782,000 | 10,800,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,525,000 | 3,196,000 | 4,958,000 | 6,799,000 |
| Interest expense | 438,000 | 985,000 | 1,625,000 | 2,365,000 |
| Net interest income | 1,087,000 | 2,211,000 | 3,333,000 | 4,434,000 |
| Noninterest income | 201,000 | 422,000 | 666,000 | 892,000 |
| Noninterest expense | 762,000 | 1,564,000 | 2,380,000 | 3,238,000 |
| Provision for loan losses | 79,000 | 154,000 | 299,000 | 476,000 |
| Pretax income | 447,000 | 904,000 | 1,296,000 | 1,551,000 |
| Income tax | 160,000 | 325,000 | 464,000 | 551,000 |
| Net income | 287,000 | 579,000 | 832,000 | 1,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,278,000 | 10,570,000 | 10,824,000 | 10,875,000 |
| Total capital | 11,300,000 | 11,669,000 | 11,939,000 | 12,025,000 |
| Risk-weighted assets | 80,802,000 | 86,876,000 | 88,164,000 | 90,925,000 |