Call reports 2016
BANK OF WAYNESBORO — 2016
What BANK OF WAYNESBORO reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 155,366,000 | 150,877,000 | 150,232,000 | 150,569,000 |
| Total loans | 106,922,000 | 108,217,000 | 109,749,000 | 109,197,000 |
| Allowance for loan losses | 1,820,000 | 1,814,000 | 1,823,000 | 1,797,000 |
| Securities available for sale | 20,906,000 | 19,163,000 | 17,950,000 | 18,126,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,933,000 | 129,674,000 | 128,348,000 | 129,357,000 |
| Interest-bearing deposits | 108,784,000 | 105,593,000 | 104,005,000 | 103,451,000 |
| Noninterest-bearing deposits | 25,149,000 | 24,081,000 | 24,343,000 | 25,906,000 |
| Equity capital | 20,633,000 | 20,439,000 | 20,959,000 | 20,496,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,697,000 | 3,418,000 | 5,192,000 | 6,943,000 |
| Interest expense | 129,000 | 255,000 | 380,000 | 502,000 |
| Net interest income | 1,568,000 | 3,163,000 | 4,812,000 | 6,441,000 |
| Noninterest income | 226,000 | 467,000 | 805,000 | 1,089,000 |
| Noninterest expense | 1,068,000 | 2,193,000 | 3,328,000 | 4,465,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 727,000 | 1,443,000 | 2,295,000 | 3,071,000 |
| Income tax | 260,000 | 533,000 | 851,000 | 1,096,000 |
| Net income | 467,000 | 910,000 | 1,444,000 | 1,975,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,516,000 | 20,285,000 | 20,818,000 | 20,598,000 |
| Total capital | 21,852,000 | 21,657,000 | 22,208,000 | 22,005,000 |
| Risk-weighted assets | 106,366,000 | 109,302,000 | 110,767,000 | 112,206,000 |