Call reports 2003
FIRST NATIONAL BANK OF WAYNESBORO, THE — 2003
What FIRST NATIONAL BANK OF WAYNESBORO, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 83,534,000 | 82,499,000 | 82,380,000 | 87,621,000 |
| Total loans | 42,817,000 | 43,111,000 | 43,318,000 | 42,423,000 |
| Allowance for loan losses | 633,000 | 665,000 | 717,000 | 570,000 |
| Securities available for sale | 23,285,000 | 22,372,000 | 24,498,000 | 23,728,000 |
| Securities held to maturity | 1,234,000 | 1,034,000 | 1,034,000 | 1,034,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,065,000 | 65,675,000 | 65,788,000 | 70,890,000 |
| Interest-bearing deposits | 53,205,000 | 53,019,000 | 52,567,000 | 53,012,000 |
| Noninterest-bearing deposits | 13,860,000 | 12,656,000 | 13,221,000 | 17,878,000 |
| Equity capital | 10,758,000 | 11,055,000 | 10,988,000 | 11,234,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,274,000 | 2,554,000 | 3,817,000 | 5,091,000 |
| Interest expense | 333,000 | 648,000 | 935,000 | 1,195,000 |
| Net interest income | 941,000 | 1,906,000 | 2,882,000 | 3,896,000 |
| Noninterest income | 163,000 | 320,000 | 486,000 | 642,000 |
| Noninterest expense | 697,000 | 1,415,000 | 2,136,000 | 2,897,000 |
| Provision for loan losses | 74,000 | 146,000 | 218,000 | 182,000 |
| Pretax income | 333,000 | 665,000 | 1,014,000 | 1,459,000 |
| Income tax | 82,000 | 189,000 | 312,000 | 417,000 |
| Net income | 251,000 | 476,000 | 702,000 | 1,042,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,359,000 | 10,584,000 | 10,810,000 | 11,047,000 |
| Total capital | 10,986,000 | 11,203,000 | 11,435,000 | 11,617,000 |
| Risk-weighted assets | 50,139,000 | 49,541,000 | 49,899,000 | 50,165,000 |