Call reports 2020
BANK OF WAYNESBORO — 2020
What BANK OF WAYNESBORO reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 |
|---|---|---|
| Total assets | 177,435,000 | 188,401,000 |
| Total loans | 119,011,000 | 120,564,000 |
| Allowance for loan losses | 1,898,000 | 2,145,000 |
| Securities available for sale | 20,443,000 | 17,113,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 153,710,000 | 164,138,000 |
| Interest-bearing deposits | 121,459,000 | 124,270,000 |
| Noninterest-bearing deposits | 32,251,000 | 39,869,000 |
| Equity capital | 22,970,000 | 23,691,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 |
|---|---|---|
| Interest income | 2,161,000 | 4,172,000 |
| Interest expense | 272,000 | 515,000 |
| Net interest income | 1,889,000 | 3,657,000 |
| Noninterest income | 249,000 | 741,000 |
| Noninterest expense | 1,388,000 | 3,200,000 |
| Provision for loan losses | 158,000 | 416,000 |
| Pretax income | 598,000 | 789,000 |
| Income tax | 146,000 | 180,000 |
| Net income | 452,000 | 609,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 |
|---|---|---|
| Tier 1 capital | 23,320,000 | 23,478,000 |
| Total capital | 24,842,000 | 24,973,000 |
| Risk-weighted assets | 121,345,000 | 118,958,000 |