Call reports 2004
FIRST NATIONAL BANK OF WAYNESBORO, THE — 2004
What FIRST NATIONAL BANK OF WAYNESBORO, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 84,314,000 | 82,456,000 | 83,272,000 | 85,445,000 |
| Total loans | 42,169,000 | 43,063,000 | 44,218,000 | 43,253,000 |
| Allowance for loan losses | 637,000 | 662,000 | 716,000 | 570,000 |
| Securities available for sale | 26,238,000 | 23,431,000 | 21,111,000 | 24,210,000 |
| Securities held to maturity | 725,000 | 554,000 | 554,000 | 454,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,973,000 | 65,644,000 | 65,827,000 | 68,090,000 |
| Interest-bearing deposits | 53,518,000 | 54,147,000 | 53,019,000 | 53,429,000 |
| Noninterest-bearing deposits | 13,455,000 | 11,497,000 | 12,808,000 | 14,661,000 |
| Equity capital | 11,671,000 | 11,313,000 | 11,605,000 | 11,596,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,240,000 | 2,470,000 | 3,708,000 | 4,948,000 |
| Interest expense | 243,000 | 484,000 | 732,000 | 988,000 |
| Net interest income | 997,000 | 1,986,000 | 2,976,000 | 3,960,000 |
| Noninterest income | 146,000 | 305,000 | 594,000 | 753,000 |
| Noninterest expense | 718,000 | 1,456,000 | 2,411,000 | 3,191,000 |
| Provision for loan losses | 72,000 | 144,000 | 216,000 | 185,000 |
| Pretax income | 353,000 | 691,000 | 943,000 | 1,337,000 |
| Income tax | 86,000 | 195,000 | 209,000 | 306,000 |
| Net income | 267,000 | 496,000 | 734,000 | 1,031,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,314,000 | 11,543,000 | 11,480,000 | 11,507,000 |
| Total capital | 11,930,000 | 12,154,000 | 12,185,000 | 12,077,000 |
| Risk-weighted assets | 49,273,000 | 48,856,000 | 56,379,000 | 56,235,000 |