Call reports 2010
BANK OF WAYNESBORO — 2010
What BANK OF WAYNESBORO reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 147,828,000 | 144,732,000 | 147,071,000 | 147,793,000 |
| Total loans | 107,733,000 | 108,077,000 | 109,284,000 | 111,112,000 |
| Allowance for loan losses | 2,353,000 | 2,370,000 | 2,316,000 | 2,271,000 |
| Securities available for sale | 15,102,000 | 12,466,000 | 14,376,000 | 13,755,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,774,000 | 127,294,000 | 128,975,000 | 129,670,000 |
| Interest-bearing deposits | 119,099,000 | 112,253,000 | 114,394,000 | 118,137,000 |
| Noninterest-bearing deposits | 11,675,000 | 15,041,000 | 14,581,000 | 11,532,000 |
| Equity capital | 15,920,000 | 16,399,000 | 16,957,000 | 17,016,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,941,000 | 3,899,000 | 5,901,000 | 7,925,000 |
| Interest expense | 613,000 | 1,148,000 | 1,662,000 | 2,153,000 |
| Net interest income | 1,328,000 | 2,751,000 | 4,239,000 | 5,772,000 |
| Noninterest income | 28,000 | 225,000 | 491,000 | 576,000 |
| Noninterest expense | 803,000 | 1,645,000 | 2,561,000 | 3,409,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 333,000 |
| Pretax income | 463,000 | 1,152,000 | 1,901,000 | 2,615,000 |
| Income tax | 165,000 | 417,000 | 692,000 | 939,000 |
| Net income | 298,000 | 735,000 | 1,209,000 | 1,676,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,880,000 | 16,317,000 | 16,791,000 | 17,048,000 |
| Total capital | 17,240,000 | 17,655,000 | 18,150,000 | 18,459,000 |
| Risk-weighted assets | 107,786,000 | 105,965,000 | 107,751,000 | 111,847,000 |