Call reports 2017
BANK OF WAYNESBORO — 2017
What BANK OF WAYNESBORO reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 153,674,000 | 150,562,000 | 153,255,000 | 155,198,000 |
| Total loans | 110,885,000 | 109,001,000 | 111,653,000 | 113,126,000 |
| Allowance for loan losses | 1,734,000 | 1,615,000 | 1,561,000 | 1,711,000 |
| Securities available for sale | 18,717,000 | 19,044,000 | 18,936,000 | 20,341,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,644,000 | 128,838,000 | 130,994,000 | 133,278,000 |
| Interest-bearing deposits | 103,842,000 | 101,556,000 | 102,092,000 | 104,670,000 |
| Noninterest-bearing deposits | 27,802,000 | 27,281,000 | 28,903,000 | 28,608,000 |
| Equity capital | 21,056,000 | 20,982,000 | 21,446,000 | 21,204,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,752,000 | 3,642,000 | 5,446,000 | 7,284,000 |
| Interest expense | 119,000 | 237,000 | 358,000 | 490,000 |
| Net interest income | 1,633,000 | 3,405,000 | 5,088,000 | 6,794,000 |
| Noninterest income | 294,000 | 596,000 | 883,000 | 1,863,000 |
| Noninterest expense | 1,141,000 | 2,288,000 | 3,492,000 | 4,619,000 |
| Provision for loan losses | 0 | 0 | 39,000 | 378,000 |
| Pretax income | 786,000 | 1,708,000 | 2,433,000 | 3,653,000 |
| Income tax | 282,000 | 616,000 | 873,000 | 1,161,000 |
| Net income | 504,000 | 1,092,000 | 1,560,000 | 2,492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,102,000 | 20,940,000 | 21,408,000 | 21,290,000 |
| Total capital | 22,541,000 | 22,378,000 | 22,887,000 | 22,780,000 |
| Risk-weighted assets | 114,797,000 | 114,831,000 | 118,241,000 | 118,941,000 |