Call reports 2018
BANK OF WAYNESBORO — 2018
What BANK OF WAYNESBORO reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 163,033,000 | 166,189,000 | 166,015,000 | 165,885,000 |
| Total loans | 112,610,000 | 114,399,000 | 118,365,000 | 123,793,000 |
| Allowance for loan losses | 1,701,000 | 1,653,000 | 1,733,000 | 1,749,000 |
| Securities available for sale | 22,592,000 | 24,129,000 | 24,086,000 | 23,978,000 |
| Securities held to maturity | 0 | 300,000 | 300,000 | 300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,842,000 | 144,101,000 | 143,357,000 | 143,478,000 |
| Interest-bearing deposits | 110,909,000 | 112,886,000 | 112,582,000 | 113,277,000 |
| Noninterest-bearing deposits | 29,933,000 | 31,215,000 | 30,775,000 | 30,201,000 |
| Equity capital | 21,562,000 | 21,351,000 | 21,816,000 | 21,687,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,866,000 | 3,866,000 | 5,971,000 | 8,103,000 |
| Interest expense | 147,000 | 323,000 | 516,000 | 721,000 |
| Net interest income | 1,719,000 | 3,543,000 | 5,455,000 | 7,382,000 |
| Noninterest income | 266,000 | 543,000 | 830,000 | 1,123,000 |
| Noninterest expense | 1,251,000 | 2,572,000 | 3,905,000 | 5,288,000 |
| Provision for loan losses | 0 | 5,000 | 84,000 | 162,000 |
| Pretax income | 736,000 | 1,511,000 | 2,298,000 | 3,058,000 |
| Income tax | 182,000 | 374,000 | 569,000 | 747,000 |
| Net income | 554,000 | 1,137,000 | 1,729,000 | 2,311,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,844,000 | 21,677,000 | 22,269,000 | 21,951,000 |
| Total capital | 23,342,000 | 23,215,000 | 23,847,000 | 23,587,000 |
| Risk-weighted assets | 119,644,000 | 122,910,000 | 126,059,000 | 130,771,000 |