Call reports 2014
BANK OF WAYNESBORO — 2014
What BANK OF WAYNESBORO reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 150,834,000 | 147,629,000 | 144,388,000 | 144,311,000 |
| Total loans | 104,051,000 | 102,400,000 | 98,052,000 | 99,108,000 |
| Allowance for loan losses | 2,232,000 | 2,200,000 | 2,175,000 | 2,192,000 |
| Securities available for sale | 24,839,000 | 25,125,000 | 26,035,000 | 27,427,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,547,000 | 127,635,000 | 123,779,000 | 124,086,000 |
| Interest-bearing deposits | 111,492,000 | 109,225,000 | 104,909,000 | 104,419,000 |
| Noninterest-bearing deposits | 19,055,000 | 18,410,000 | 18,871,000 | 19,666,000 |
| Equity capital | 19,360,000 | 19,304,000 | 19,716,000 | 19,515,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,642,000 | 3,321,000 | 5,014,000 | 6,639,000 |
| Interest expense | 157,000 | 316,000 | 473,000 | 621,000 |
| Net interest income | 1,485,000 | 3,005,000 | 4,541,000 | 6,018,000 |
| Noninterest income | 239,000 | 474,000 | 685,000 | 899,000 |
| Noninterest expense | 993,000 | 2,053,000 | 3,021,000 | 4,005,000 |
| Provision for loan losses | 0 | 6,000 | 15,000 | 154,000 |
| Pretax income | 731,000 | 1,420,000 | 2,190,000 | 2,758,000 |
| Income tax | 216,000 | 413,000 | 788,000 | 983,000 |
| Net income | 515,000 | 1,007,000 | 1,402,000 | 1,775,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,420,000 | 19,312,000 | 19,708,000 | 19,481,000 |
| Total capital | 20,699,000 | 20,584,000 | 20,943,000 | 20,740,000 |
| Risk-weighted assets | 101,340,000 | 100,793,000 | 97,842,000 | 99,781,000 |