Call reports 2010
FIRST NATIONAL BANK OF WAYNESBORO, THE — 2010
What FIRST NATIONAL BANK OF WAYNESBORO, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 115,024,000 | 105,955,000 | 102,255,000 | 106,534,000 |
| Total loans | 52,827,000 | 54,418,000 | 56,465,000 | 54,542,000 |
| Allowance for loan losses | 592,000 | 625,000 | 654,000 | 640,000 |
| Securities available for sale | 24,404,000 | 28,144,000 | 24,241,000 | 22,234,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,327,000 | 79,798,000 | 75,481,000 | 80,216,000 |
| Interest-bearing deposits | 74,915,000 | 67,844,000 | 63,171,000 | 63,777,000 |
| Noninterest-bearing deposits | 14,412,000 | 11,954,000 | 12,310,000 | 16,439,000 |
| Equity capital | 13,845,000 | 14,318,000 | 14,830,000 | 14,399,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,359,000 | 2,787,000 | 4,248,000 | 5,652,000 |
| Interest expense | 342,000 | 665,000 | 971,000 | 1,261,000 |
| Net interest income | 1,017,000 | 2,122,000 | 3,277,000 | 4,391,000 |
| Noninterest income | 185,000 | 376,000 | 606,000 | 880,000 |
| Noninterest expense | 797,000 | 1,617,000 | 2,485,000 | 3,507,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 242,000 |
| Pretax income | 330,000 | 731,000 | 1,173,000 | 1,522,000 |
| Income tax | 69,000 | 178,000 | 308,000 | 361,000 |
| Net income | 261,000 | 553,000 | 865,000 | 1,161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,688,000 | 13,980,000 | 14,292,000 | 14,345,000 |
| Total capital | 14,280,000 | 14,605,000 | 14,946,000 | 14,985,000 |
| Risk-weighted assets | 56,285,000 | 56,770,000 | 56,861,000 | 55,376,000 |