Call reports 2002
FIRST NATIONAL BANK OF WAYNESBORO, THE — 2002
What FIRST NATIONAL BANK OF WAYNESBORO, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 78,324,000 | 77,684,000 | 80,764,000 | 84,831,000 |
| Total loans | 42,267,000 | 42,992,000 | 43,096,000 | 43,128,000 |
| Allowance for loan losses | 570,000 | 591,000 | 597,000 | 570,000 |
| Securities available for sale | 15,451,000 | 18,634,000 | 23,401,000 | 23,075,000 |
| Securities held to maturity | 1,771,000 | 1,718,000 | 1,643,000 | 1,459,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,860,000 | 66,734,000 | 64,564,000 | 68,813,000 |
| Interest-bearing deposits | 56,303,000 | 55,274,000 | 53,887,000 | 54,731,000 |
| Noninterest-bearing deposits | 11,557,000 | 11,460,000 | 10,677,000 | 14,082,000 |
| Equity capital | 9,846,000 | 10,282,000 | 10,471,000 | 10,421,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,328,000 | 2,647,000 | 3,965,000 | 5,304,000 |
| Interest expense | 405,000 | 756,000 | 1,094,000 | 1,449,000 |
| Net interest income | 923,000 | 1,891,000 | 2,871,000 | 3,855,000 |
| Noninterest income | 157,000 | 315,000 | 517,000 | 685,000 |
| Noninterest expense | 695,000 | 1,401,000 | 2,109,000 | 2,869,000 |
| Provision for loan losses | 74,000 | 146,000 | 234,000 | 291,000 |
| Pretax income | 311,000 | 659,000 | 1,045,000 | 1,380,000 |
| Income tax | 83,000 | 189,000 | 313,000 | 409,000 |
| Net income | 228,000 | 470,000 | 732,000 | 971,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,792,000 | 10,034,000 | 10,121,000 | 10,108,000 |
| Total capital | 10,362,000 | 10,625,000 | 10,718,000 | 10,678,000 |
| Risk-weighted assets | 53,068,000 | 48,629,000 | 51,127,000 | 52,098,000 |