Call reports 2006
BANK OF WAYNESBORO — 2006
What BANK OF WAYNESBORO reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 127,805,000 | 127,569,000 | 127,515,000 | 129,112,000 |
| Total loans | 95,880,000 | 98,020,000 | 95,264,000 | 94,229,000 |
| Allowance for loan losses | 2,425,000 | 2,481,000 | 3,010,000 | 3,070,000 |
| Securities available for sale | 13,736,000 | 15,073,000 | 15,306,000 | 15,117,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,406,000 | 111,319,000 | 111,060,000 | 112,385,000 |
| Interest-bearing deposits | 97,353,000 | 98,944,000 | 98,889,000 | 100,365,000 |
| Noninterest-bearing deposits | 13,053,000 | 12,375,000 | 12,170,000 | 12,019,000 |
| Equity capital | 11,068,000 | 11,366,000 | 11,390,000 | 11,780,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,985,000 | 4,099,000 | 6,271,000 | 8,561,000 |
| Interest expense | 833,000 | 1,741,000 | 2,755,000 | 3,833,000 |
| Net interest income | 1,152,000 | 2,358,000 | 3,516,000 | 4,728,000 |
| Noninterest income | 214,000 | 427,000 | 633,000 | 857,000 |
| Noninterest expense | 794,000 | 1,611,000 | 2,436,000 | 3,240,000 |
| Provision for loan losses | 163,000 | 263,000 | 866,000 | 970,000 |
| Pretax income | 409,000 | 911,000 | 847,000 | 1,375,000 |
| Income tax | 144,000 | 326,000 | 291,000 | 459,000 |
| Net income | 265,000 | 585,000 | 556,000 | 916,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,140,000 | 11,462,000 | 11,433,000 | 11,793,000 |
| Total capital | 12,335,000 | 12,666,000 | 12,618,000 | 12,986,000 |
| Risk-weighted assets | 94,373,000 | 95,058,000 | 92,940,000 | 93,582,000 |