Call reports 2006
FIRST NATIONAL BANK OF WAYNESBORO, THE — 2006
What FIRST NATIONAL BANK OF WAYNESBORO, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 85,719,000 | 85,683,000 | 87,314,000 | 91,745,000 |
| Total loans | 42,018,000 | 44,322,000 | 44,162,000 | 44,174,000 |
| Allowance for loan losses | 635,000 | 670,000 | 715,000 | 570,000 |
| Securities available for sale | 24,289,000 | 25,719,000 | 25,027,000 | 24,839,000 |
| Securities held to maturity | 304,000 | 305,000 | 305,000 | 305,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,449,000 | 67,261,000 | 68,342,000 | 72,667,000 |
| Interest-bearing deposits | 52,556,000 | 43,134,000 | 43,433,000 | 44,273,000 |
| Noninterest-bearing deposits | 14,893,000 | 24,127,000 | 24,909,000 | 28,394,000 |
| Equity capital | 12,246,000 | 12,373,000 | 12,771,000 | 12,869,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,357,000 | 2,779,000 | 4,232,000 | 5,736,000 |
| Interest expense | 390,000 | 839,000 | 1,342,000 | 1,880,000 |
| Net interest income | 967,000 | 1,940,000 | 2,890,000 | 3,856,000 |
| Noninterest income | 163,000 | 346,000 | 592,000 | 821,000 |
| Noninterest expense | 707,000 | 1,458,000 | 2,234,000 | 3,067,000 |
| Provision for loan losses | 72,000 | 136,000 | 204,000 | 148,000 |
| Pretax income | 351,000 | 692,000 | 1,044,000 | 1,462,000 |
| Income tax | 82,000 | 178,000 | 320,000 | 426,000 |
| Net income | 269,000 | 514,000 | 724,000 | 1,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,574,000 | 12,818,000 | 13,029,000 | 13,033,000 |
| Total capital | 13,139,000 | 13,354,000 | 13,595,000 | 13,603,000 |
| Risk-weighted assets | 45,133,000 | 42,867,000 | 45,110,000 | 45,406,000 |