Call reports 2008
BANK OF WAYNESBORO — 2008
What BANK OF WAYNESBORO reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 139,753,000 | 139,483,000 | 140,542,000 | 137,644,000 |
| Total loans | 100,127,000 | 103,348,000 | 105,098,000 | 109,320,000 |
| Allowance for loan losses | 2,621,000 | 2,395,000 | 2,365,000 | 2,382,000 |
| Securities available for sale | 11,476,000 | 16,050,000 | 14,667,000 | 11,938,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,001,000 | 120,822,000 | 116,842,000 | 114,212,000 |
| Interest-bearing deposits | 109,073,000 | 108,601,000 | 106,294,000 | 102,328,000 |
| Noninterest-bearing deposits | 11,928,000 | 12,221,000 | 10,548,000 | 11,884,000 |
| Equity capital | 13,405,000 | 13,374,000 | 13,775,000 | 14,167,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,336,000 | 4,491,000 | 6,687,000 | 8,853,000 |
| Interest expense | 1,069,000 | 1,976,000 | 2,790,000 | 3,563,000 |
| Net interest income | 1,267,000 | 2,515,000 | 3,897,000 | 5,290,000 |
| Noninterest income | 200,000 | 408,000 | 622,000 | 829,000 |
| Noninterest expense | 823,000 | 1,707,000 | 2,568,000 | 3,402,000 |
| Provision for loan losses | 13,000 | 27,000 | 42,000 | 175,000 |
| Pretax income | 631,000 | 1,189,000 | 1,909,000 | 2,542,000 |
| Income tax | 231,000 | 434,000 | 698,000 | 923,000 |
| Net income | 400,000 | 755,000 | 1,211,000 | 1,619,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,312,000 | 13,414,000 | 13,775,000 | 14,058,000 |
| Total capital | 14,579,000 | 14,725,000 | 15,111,000 | 15,424,000 |
| Risk-weighted assets | 100,027,000 | 103,832,000 | 105,868,000 | 108,240,000 |