Call reports 2009
FIRST NATIONAL BANK OF WAYNESBORO, THE — 2009
What FIRST NATIONAL BANK OF WAYNESBORO, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 104,718,000 | 103,075,000 | 106,088,000 | 101,676,000 |
| Total loans | 51,150,000 | 50,469,000 | 52,951,000 | 52,704,000 |
| Allowance for loan losses | 584,000 | 605,000 | 635,000 | 570,000 |
| Securities available for sale | 30,449,000 | 27,650,000 | 26,379,000 | 22,830,000 |
| Securities held to maturity | 175,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,965,000 | 78,274,000 | 80,221,000 | 76,318,000 |
| Interest-bearing deposits | 66,383,000 | 65,917,000 | 66,735,000 | 61,104,000 |
| Noninterest-bearing deposits | 13,582,000 | 12,357,000 | 13,486,000 | 15,214,000 |
| Equity capital | 12,739,000 | 12,869,000 | 13,751,000 | 13,558,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,450,000 | 2,908,000 | 4,369,000 | 5,842,000 |
| Interest expense | 497,000 | 943,000 | 1,358,000 | 1,727,000 |
| Net interest income | 953,000 | 1,965,000 | 3,011,000 | 4,115,000 |
| Noninterest income | 193,000 | 392,000 | 629,000 | 852,000 |
| Noninterest expense | 787,000 | 1,650,000 | 2,560,000 | 3,469,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 147,000 |
| Pretax income | 314,000 | 617,000 | 945,000 | 1,402,000 |
| Income tax | 68,000 | 148,000 | 221,000 | 306,000 |
| Net income | 246,000 | 469,000 | 724,000 | 1,096,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,797,000 | 13,021,000 | 13,276,000 | 13,427,000 |
| Total capital | 13,381,000 | 13,626,000 | 13,911,000 | 13,997,000 |
| Risk-weighted assets | 55,817,000 | 53,317,000 | 55,519,000 | 55,327,000 |