Call reports 2011
FIRST NATIONAL BANK OF WAYNESBORO, THE — 2011
What FIRST NATIONAL BANK OF WAYNESBORO, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 117,062,000 | 109,679,000 | 109,804,000 | 112,256,000 |
| Total loans | 53,961,000 | 53,091,000 | 53,784,000 | 54,218,000 |
| Allowance for loan losses | 746,000 | 772,000 | 761,000 | 700,000 |
| Securities available for sale | 26,548,000 | 29,151,000 | 27,361,000 | 25,870,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,268,000 | 82,413,000 | 81,862,000 | 84,503,000 |
| Interest-bearing deposits | 73,109,000 | 68,882,000 | 68,344,000 | 65,584,000 |
| Noninterest-bearing deposits | 17,159,000 | 13,531,000 | 13,518,000 | 18,919,000 |
| Equity capital | 14,758,000 | 15,343,000 | 15,930,000 | 15,901,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,284,000 | 2,622,000 | 4,012,000 | 5,370,000 |
| Interest expense | 271,000 | 520,000 | 752,000 | 965,000 |
| Net interest income | 1,013,000 | 2,102,000 | 3,260,000 | 4,405,000 |
| Noninterest income | 256,000 | 518,000 | 808,000 | 1,120,000 |
| Noninterest expense | 836,000 | 1,708,000 | 2,600,000 | 3,682,000 |
| Provision for loan losses | 117,000 | 212,000 | 307,000 | 294,000 |
| Pretax income | 380,000 | 764,000 | 1,225,000 | 1,613,000 |
| Income tax | 80,000 | 180,000 | 299,000 | 401,000 |
| Net income | 300,000 | 584,000 | 926,000 | 1,212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,645,000 | 14,929,000 | 15,271,000 | 15,281,000 |
| Total capital | 15,336,000 | 15,604,000 | 15,962,000 | 15,959,000 |
| Risk-weighted assets | 55,699,000 | 53,921,000 | 55,198,000 | 54,250,000 |