Call reports 2005
FIRST NATIONAL BANK OF WAYNESBORO, THE — 2005
What FIRST NATIONAL BANK OF WAYNESBORO, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 85,861,000 | 83,356,000 | 85,420,000 | 83,837,000 |
| Total loans | 42,318,000 | 43,968,000 | 43,588,000 | 43,318,000 |
| Allowance for loan losses | 606,000 | 558,000 | 595,000 | 570,000 |
| Securities available for sale | 25,117,000 | 24,058,000 | 23,212,000 | 22,701,000 |
| Securities held to maturity | 304,000 | 305,000 | 305,000 | 305,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,373,000 | 65,506,000 | 67,298,000 | 65,988,000 |
| Interest-bearing deposits | 53,099,000 | 52,870,000 | 53,849,000 | 50,712,000 |
| Noninterest-bearing deposits | 15,274,000 | 12,636,000 | 13,449,000 | 15,276,000 |
| Equity capital | 11,647,000 | 12,027,000 | 12,222,000 | 12,012,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,284,000 | 2,601,000 | 3,899,000 | 5,251,000 |
| Interest expense | 278,000 | 577,000 | 910,000 | 1,273,000 |
| Net interest income | 1,006,000 | 2,024,000 | 2,989,000 | 3,978,000 |
| Noninterest income | 148,000 | 351,000 | 520,000 | 695,000 |
| Noninterest expense | 709,000 | 1,444,000 | 2,145,000 | 2,958,000 |
| Provision for loan losses | 72,000 | 144,000 | 216,000 | 191,000 |
| Pretax income | 373,000 | 787,000 | 1,148,000 | 1,524,000 |
| Income tax | 87,000 | 212,000 | 331,000 | 419,000 |
| Net income | 286,000 | 575,000 | 817,000 | 1,105,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,868,000 | 12,082,000 | 12,275,000 | 12,305,000 |
| Total capital | 12,474,000 | 12,640,000 | 12,848,000 | 12,875,000 |
| Risk-weighted assets | 56,727,000 | 46,513,000 | 46,627,000 | 46,281,000 |