Call reports 2001
FIRST NATIONAL BANK OF WAYNESBORO, THE — 2001
What FIRST NATIONAL BANK OF WAYNESBORO, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 77,952,000 | 77,061,000 | 77,739,000 | 80,988,000 |
| Total loans | 40,933,000 | 42,632,000 | 43,021,000 | 43,770,000 |
| Allowance for loan losses | 471,000 | 508,000 | 484,000 | 500,000 |
| Securities available for sale | 14,875,000 | 11,816,000 | 16,418,000 | 15,837,000 |
| Securities held to maturity | 2,080,000 | 2,052,000 | 1,942,000 | 1,781,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,638,000 | 66,587,000 | 66,886,000 | 70,711,000 |
| Interest-bearing deposits | 55,754,000 | 55,767,000 | 55,567,000 | 57,112,000 |
| Noninterest-bearing deposits | 11,884,000 | 10,820,000 | 11,319,000 | 13,599,000 |
| Equity capital | 9,469,000 | 9,577,000 | 9,847,000 | 9,653,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,520,000 | 2,972,000 | 4,392,000 | 5,804,000 |
| Interest expense | 685,000 | 1,344,000 | 1,973,000 | 2,505,000 |
| Net interest income | 835,000 | 1,628,000 | 2,419,000 | 3,299,000 |
| Noninterest income | 291,000 | 466,000 | 643,000 | 859,000 |
| Noninterest expense | 662,000 | 1,314,000 | 1,967,000 | 2,717,000 |
| Provision for loan losses | 168,000 | 234,000 | 296,000 | 355,000 |
| Pretax income | 296,000 | 546,000 | 799,000 | 1,086,000 |
| Income tax | 67,000 | 145,000 | 234,000 | 316,000 |
| Net income | 229,000 | 401,000 | 565,000 | 770,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,341,000 | 9,512,000 | 9,676,000 | 9,588,000 |
| Total capital | 9,812,000 | 10,020,000 | 10,160,000 | 10,088,000 |
| Risk-weighted assets | 47,796,000 | 49,674,000 | 49,065,000 | 58,153,000 |