Call reports 2009
BANK OF WAYNESBORO — 2009
What BANK OF WAYNESBORO reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 144,421,000 | 142,290,000 | 142,904,000 | 146,747,000 |
| Total loans | 106,630,000 | 107,351,000 | 106,996,000 | 105,770,000 |
| Allowance for loan losses | 2,384,000 | 2,357,000 | 2,358,000 | 2,272,000 |
| Securities available for sale | 14,531,000 | 16,071,000 | 15,167,000 | 16,883,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,374,000 | 124,278,000 | 124,573,000 | 128,424,000 |
| Interest-bearing deposits | 109,542,000 | 112,792,000 | 113,499,000 | 116,144,000 |
| Noninterest-bearing deposits | 10,832,000 | 11,486,000 | 11,074,000 | 12,280,000 |
| Equity capital | 14,661,000 | 14,898,000 | 15,461,000 | 15,541,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,991,000 | 3,998,000 | 6,010,000 | 7,961,000 |
| Interest expense | 711,000 | 1,420,000 | 2,122,000 | 2,806,000 |
| Net interest income | 1,280,000 | 2,578,000 | 3,888,000 | 5,155,000 |
| Noninterest income | 432,000 | 610,000 | 821,000 | 1,025,000 |
| Noninterest expense | 857,000 | 1,768,000 | 2,607,000 | 3,504,000 |
| Provision for loan losses | 10,000 | 21,000 | 26,000 | 26,000 |
| Pretax income | 597,000 | 1,231,000 | 1,967,000 | 2,563,000 |
| Income tax | 218,000 | 450,000 | 720,000 | 927,000 |
| Net income | 379,000 | 781,000 | 1,247,000 | 1,636,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,437,000 | 14,659,000 | 15,373,000 | 15,582,000 |
| Total capital | 15,391,000 | 16,002,000 | 16,714,000 | 16,911,000 |
| Risk-weighted assets | 107,043,000 | 106,933,000 | 106,257,000 | 105,380,000 |