Call reports 2007
BANK OF WAYNESBORO — 2007
What BANK OF WAYNESBORO reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 132,592,000 | 137,771,000 | 136,180,000 | 136,852,000 |
| Total loans | 94,426,000 | 99,017,000 | 99,633,000 | 98,872,000 |
| Allowance for loan losses | 3,215,000 | 3,254,000 | 3,161,000 | 2,614,000 |
| Securities available for sale | 17,764,000 | 22,313,000 | 21,957,000 | 12,004,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,351,000 | 118,123,000 | 118,233,000 | 118,757,000 |
| Interest-bearing deposits | 103,833,000 | 105,949,000 | 106,974,000 | 107,926,000 |
| Noninterest-bearing deposits | 11,518,000 | 12,174,000 | 11,259,000 | 10,831,000 |
| Equity capital | 12,094,000 | 12,263,000 | 12,647,000 | 13,054,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,306,000 | 4,713,000 | 7,171,000 | 9,595,000 |
| Interest expense | 1,101,000 | 2,267,000 | 3,480,000 | 4,660,000 |
| Net interest income | 1,205,000 | 2,446,000 | 3,691,000 | 4,935,000 |
| Noninterest income | 212,000 | 462,000 | 688,000 | 938,000 |
| Noninterest expense | 841,000 | 1,710,000 | 2,557,000 | 3,385,000 |
| Provision for loan losses | 103,000 | 208,000 | 225,000 | 241,000 |
| Pretax income | 473,000 | 990,000 | 1,597,000 | 2,249,000 |
| Income tax | 170,000 | 356,000 | 577,000 | 815,000 |
| Net income | 303,000 | 634,000 | 1,020,000 | 1,434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,096,000 | 12,332,000 | 12,623,000 | 13,039,000 |
| Total capital | 13,305,000 | 13,603,000 | 13,904,000 | 14,290,000 |
| Risk-weighted assets | 94,527,000 | 99,719,000 | 100,604,000 | 98,694,000 |