Call reports 2015
BANK OF WAYNESBORO — 2015
What BANK OF WAYNESBORO reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 146,867,000 | 151,105,000 | 148,108,000 | 151,347,000 |
| Total loans | 99,522,000 | 102,924,000 | 103,554,000 | 105,221,000 |
| Allowance for loan losses | 2,145,000 | 2,020,000 | 1,994,000 | 1,857,000 |
| Securities available for sale | 27,542,000 | 21,564,000 | 19,549,000 | 21,446,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,002,000 | 130,540,000 | 126,848,000 | 130,701,000 |
| Interest-bearing deposits | 106,035,000 | 108,339,000 | 103,552,000 | 106,360,000 |
| Noninterest-bearing deposits | 19,967,000 | 22,201,000 | 23,295,000 | 24,341,000 |
| Equity capital | 19,979,000 | 19,764,000 | 20,306,000 | 20,136,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,611,000 | 3,241,000 | 4,939,000 | 6,604,000 |
| Interest expense | 141,000 | 277,000 | 412,000 | 541,000 |
| Net interest income | 1,470,000 | 2,964,000 | 4,527,000 | 6,063,000 |
| Noninterest income | 142,000 | 346,000 | 627,000 | 886,000 |
| Noninterest expense | 1,037,000 | 2,072,000 | 3,135,000 | 4,214,000 |
| Provision for loan losses | 6,000 | 8,000 | 8,000 | 8,000 |
| Pretax income | 594,000 | 1,256,000 | 2,037,000 | 2,754,000 |
| Income tax | 211,000 | 448,000 | 729,000 | 986,000 |
| Net income | 383,000 | 808,000 | 1,308,000 | 1,768,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,864,000 | 19,689,000 | 20,189,000 | 20,049,000 |
| Total capital | 21,122,000 | 20,978,000 | 21,484,000 | 21,365,000 |
| Risk-weighted assets | 99,787,000 | 102,427,000 | 102,886,000 | 104,754,000 |