Call reports 2012
BANK OF WAYNESBORO — 2012
What BANK OF WAYNESBORO reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 144,057,000 | 146,494,000 | 146,039,000 | 144,882,000 |
| Total loans | 93,618,000 | 96,171,000 | 96,334,000 | 96,880,000 |
| Allowance for loan losses | 2,534,000 | 2,443,000 | 2,436,000 | 2,394,000 |
| Securities available for sale | 25,455,000 | 23,296,000 | 26,111,000 | 23,818,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,432,000 | 126,751,000 | 126,279,000 | 125,502,000 |
| Interest-bearing deposits | 109,547,000 | 110,299,000 | 109,922,000 | 108,422,000 |
| Noninterest-bearing deposits | 14,885,000 | 16,451,000 | 16,357,000 | 17,079,000 |
| Equity capital | 18,599,000 | 18,437,000 | 18,898,000 | 18,642,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,734,000 | 3,388,000 | 5,006,000 | 6,647,000 |
| Interest expense | 262,000 | 520,000 | 759,000 | 975,000 |
| Net interest income | 1,472,000 | 2,868,000 | 4,247,000 | 5,672,000 |
| Noninterest income | 157,000 | 362,000 | 607,000 | 841,000 |
| Noninterest expense | 935,000 | 1,961,000 | 2,920,000 | 3,984,000 |
| Provision for loan losses | 90,000 | 90,000 | 90,000 | 130,000 |
| Pretax income | 609,000 | 1,187,000 | 1,851,000 | 2,406,000 |
| Income tax | 220,000 | 427,000 | 666,000 | 851,000 |
| Net income | 389,000 | 760,000 | 1,185,000 | 1,555,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,495,000 | 18,267,000 | 18,685,000 | 18,455,000 |
| Total capital | 19,731,000 | 19,502,000 | 19,929,000 | 19,681,000 |
| Risk-weighted assets | 97,605,000 | 97,607,000 | 98,076,000 | 96,691,000 |