Call reports 2013
BANK OF WAYNESBORO — 2013
What BANK OF WAYNESBORO reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 147,804,000 | 144,217,000 | 142,992,000 | 145,970,000 |
| Total loans | 97,821,000 | 101,979,000 | 101,954,000 | 104,328,000 |
| Allowance for loan losses | 2,323,000 | 2,275,000 | 2,193,000 | 2,248,000 |
| Securities available for sale | 24,282,000 | 24,415,000 | 25,789,000 | 24,172,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,899,000 | 124,689,000 | 123,074,000 | 126,409,000 |
| Interest-bearing deposits | 109,470,000 | 106,840,000 | 105,549,000 | 108,411,000 |
| Noninterest-bearing deposits | 18,430,000 | 17,849,000 | 17,525,000 | 17,999,000 |
| Equity capital | 19,013,000 | 18,622,000 | 18,997,000 | 18,818,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,564,000 | 3,229,000 | 4,824,000 | 6,497,000 |
| Interest expense | 194,000 | 371,000 | 539,000 | 705,000 |
| Net interest income | 1,370,000 | 2,858,000 | 4,285,000 | 5,792,000 |
| Noninterest income | 235,000 | 465,000 | 700,000 | 903,000 |
| Noninterest expense | 1,025,000 | 2,008,000 | 3,003,000 | 4,013,000 |
| Provision for loan losses | 0 | 0 | 3,000 | 167,000 |
| Pretax income | 580,000 | 1,315,000 | 1,979,000 | 2,549,000 |
| Income tax | 211,000 | 481,000 | 724,000 | 904,000 |
| Net income | 369,000 | 834,000 | 1,255,000 | 1,645,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,830,000 | 18,695,000 | 19,116,000 | 18,906,000 |
| Total capital | 20,077,000 | 19,951,000 | 20,383,000 | 20,189,000 |
| Risk-weighted assets | 98,496,000 | 99,501,000 | 100,420,000 | 101,660,000 |