Call reports 2008
FIRST NATIONAL BANK OF WAYNESBORO, THE — 2008
What FIRST NATIONAL BANK OF WAYNESBORO, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 100,880,000 | 100,861,000 | 103,689,000 | 102,997,000 |
| Total loans | 51,872,000 | 53,222,000 | 54,291,000 | 53,028,000 |
| Allowance for loan losses | 644,000 | 662,000 | 655,000 | 570,000 |
| Securities available for sale | 32,627,000 | 31,573,000 | 31,605,000 | 30,454,000 |
| Securities held to maturity | 175,000 | 175,000 | 175,000 | 175,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,072,000 | 75,880,000 | 78,059,000 | 78,724,000 |
| Interest-bearing deposits | 61,695,000 | 62,540,000 | 64,454,000 | 62,913,000 |
| Noninterest-bearing deposits | 13,377,000 | 13,340,000 | 13,605,000 | 15,811,000 |
| Equity capital | 14,340,000 | 13,616,000 | 14,125,000 | 12,330,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,631,000 | 3,248,000 | 4,840,000 | 6,451,000 |
| Interest expense | 599,000 | 1,182,000 | 1,742,000 | 2,288,000 |
| Net interest income | 1,032,000 | 2,066,000 | 3,098,000 | 4,163,000 |
| Noninterest income | 218,000 | 435,000 | 652,000 | 877,000 |
| Noninterest expense | 803,000 | 1,614,000 | 2,435,000 | 3,777,000 |
| Provision for loan losses | 59,000 | 120,000 | 176,000 | 136,000 |
| Pretax income | 388,000 | 767,000 | 1,139,000 | 1,127,000 |
| Income tax | 85,000 | 193,000 | 319,000 | 387,000 |
| Net income | 303,000 | 574,000 | 820,000 | 740,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,235,000 | 14,013,000 | 14,268,000 | 12,552,000 |
| Total capital | 14,880,000 | 14,675,000 | 14,923,000 | 13,122,000 |
| Risk-weighted assets | 66,384,000 | 66,135,000 | 59,663,000 | 57,127,000 |