Call reports 2019
BANK OF WAYNESBORO — 2019
What BANK OF WAYNESBORO reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 172,375,000 | 173,878,000 | 173,060,000 | 174,752,000 |
| Total loans | 123,010,000 | 121,459,000 | 120,571,000 | 119,215,000 |
| Allowance for loan losses | 1,738,000 | 2,142,000 | 2,080,000 | 1,751,000 |
| Securities available for sale | 23,149,000 | 24,786,000 | 24,951,000 | 25,399,000 |
| Securities held to maturity | 300,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,930,000 | 150,625,000 | 149,079,000 | 151,064,000 |
| Interest-bearing deposits | 117,511,000 | 118,891,000 | 116,993,000 | 118,949,000 |
| Noninterest-bearing deposits | 31,420,000 | 31,734,000 | 32,086,000 | 32,115,000 |
| Equity capital | 22,565,000 | 22,596,000 | 23,253,000 | 22,936,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,195,000 | 4,448,000 | 6,689,000 | 8,910,000 |
| Interest expense | 230,000 | 501,000 | 789,000 | 1,074,000 |
| Net interest income | 1,965,000 | 3,947,000 | 5,900,000 | 7,836,000 |
| Noninterest income | 296,000 | 939,000 | 1,184,000 | 1,426,000 |
| Noninterest expense | 1,323,000 | 2,698,000 | 4,014,000 | 5,426,000 |
| Provision for loan losses | 12,000 | 415,000 | 418,000 | 421,000 |
| Pretax income | 935,000 | 1,783,000 | 2,668,000 | 3,449,000 |
| Income tax | 235,000 | 341,000 | 560,000 | 731,000 |
| Net income | 700,000 | 1,442,000 | 2,108,000 | 2,718,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,651,000 | 22,492,000 | 23,158,000 | 22,869,000 |
| Total capital | 24,288,000 | 24,115,000 | 24,736,000 | 24,384,000 |
| Risk-weighted assets | 130,824,000 | 129,307,000 | 125,761,000 | 120,948,000 |