Call reports 2007
FIRST NATIONAL BANK OF WAYNESBORO, THE — 2007
What FIRST NATIONAL BANK OF WAYNESBORO, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 91,526,000 | 93,010,000 | 95,280,000 | 96,460,000 |
| Total loans | 43,786,000 | 47,281,000 | 50,730,000 | 51,814,000 |
| Allowance for loan losses | 598,000 | 643,000 | 677,000 | 570,000 |
| Securities available for sale | 25,458,000 | 26,107,000 | 25,759,000 | 25,815,000 |
| Securities held to maturity | 175,000 | 175,000 | 175,000 | 175,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,998,000 | 73,753,000 | 75,046,000 | 76,221,000 |
| Interest-bearing deposits | 57,514,000 | 59,803,000 | 61,377,000 | 61,645,000 |
| Noninterest-bearing deposits | 14,484,000 | 13,950,000 | 13,669,000 | 14,576,000 |
| Equity capital | 13,168,000 | 13,061,000 | 13,655,000 | 13,904,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,518,000 | 3,098,000 | 4,932,000 | 6,561,000 |
| Interest expense | 553,000 | 1,131,000 | 1,729,000 | 2,337,000 |
| Net interest income | 965,000 | 1,967,000 | 3,203,000 | 4,224,000 |
| Noninterest income | 208,000 | 411,000 | 623,000 | 870,000 |
| Noninterest expense | 776,000 | 1,573,000 | 2,582,000 | 3,490,000 |
| Provision for loan losses | 58,000 | 112,000 | 166,000 | 88,000 |
| Pretax income | 339,000 | 693,000 | 1,078,000 | 1,516,000 |
| Income tax | 85,000 | 191,000 | 317,000 | 424,000 |
| Net income | 254,000 | 502,000 | 761,000 | 1,092,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,286,000 | 13,535,000 | 13,793,000 | 13,934,000 |
| Total capital | 13,868,000 | 14,173,000 | 14,444,000 | 14,504,000 |
| Risk-weighted assets | 46,543,000 | 51,001,000 | 52,092,000 | 58,379,000 |