Call reports 2011
BANK OF WAYNESBORO — 2011
What BANK OF WAYNESBORO reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 146,744,000 | 144,942,000 | 141,216,000 | 138,888,000 |
| Total loans | 107,865,000 | 106,405,000 | 102,169,000 | 98,167,000 |
| Allowance for loan losses | 2,292,000 | 2,235,000 | 2,352,000 | 2,498,000 |
| Securities available for sale | 13,158,000 | 16,403,000 | 17,123,000 | 20,633,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,962,000 | 125,943,000 | 122,344,000 | 119,877,000 |
| Interest-bearing deposits | 115,057,000 | 112,657,000 | 109,008,000 | 105,867,000 |
| Noninterest-bearing deposits | 12,904,000 | 13,286,000 | 13,336,000 | 14,010,000 |
| Equity capital | 17,550,000 | 17,804,000 | 18,045,000 | 18,200,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,924,000 | 3,835,000 | 5,659,000 | 7,541,000 |
| Interest expense | 391,000 | 745,000 | 1,073,000 | 1,359,000 |
| Net interest income | 1,533,000 | 3,090,000 | 4,586,000 | 6,182,000 |
| Noninterest income | 191,000 | 398,000 | 548,000 | 678,000 |
| Noninterest expense | 858,000 | 1,817,000 | 2,749,000 | 3,612,000 |
| Provision for loan losses | 90,000 | 180,000 | 520,000 | 710,000 |
| Pretax income | 819,000 | 1,534,000 | 1,908,000 | 2,583,000 |
| Income tax | 301,000 | 559,000 | 688,000 | 925,000 |
| Net income | 518,000 | 975,000 | 1,220,000 | 1,658,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,565,000 | 17,724,000 | 17,968,000 | 18,106,000 |
| Total capital | 18,938,000 | 19,084,000 | 19,280,000 | 19,377,000 |
| Risk-weighted assets | 108,819,000 | 107,867,000 | 103,824,000 | 100,465,000 |