Call reports 2012
FIRST NATIONAL BANK OF WAYNESBORO, THE — 2012
What FIRST NATIONAL BANK OF WAYNESBORO, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 117,412,000 | 119,696,000 | 110,404,000 | 116,730,000 |
| Total loans | 53,962,000 | 54,002,000 | 55,933,000 | 57,635,000 |
| Allowance for loan losses | 748,000 | 791,000 | 877,000 | 740,000 |
| Securities available for sale | 24,210,000 | 21,728,000 | 21,487,000 | 19,776,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,069,000 | 90,972,000 | 86,188,000 | 92,877,000 |
| Interest-bearing deposits | 71,653,000 | 74,879,000 | 70,123,000 | 68,743,000 |
| Noninterest-bearing deposits | 17,416,000 | 16,093,000 | 16,065,000 | 24,134,000 |
| Equity capital | 16,268,000 | 16,663,000 | 17,097,000 | 16,999,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,299,000 | 2,607,000 | 3,897,000 | 5,162,000 |
| Interest expense | 204,000 | 403,000 | 589,000 | 732,000 |
| Net interest income | 1,095,000 | 2,204,000 | 3,308,000 | 4,430,000 |
| Noninterest income | 262,000 | 536,000 | 857,000 | 1,208,000 |
| Noninterest expense | 804,000 | 1,652,000 | 2,519,000 | 3,480,000 |
| Provision for loan losses | 110,000 | 178,000 | 263,000 | 285,000 |
| Pretax income | 443,000 | 910,000 | 1,383,000 | 1,873,000 |
| Income tax | 97,000 | 230,000 | 357,000 | 493,000 |
| Net income | 346,000 | 680,000 | 1,026,000 | 1,380,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,627,000 | 15,961,000 | 16,307,000 | 16,276,000 |
| Total capital | 16,300,000 | 16,639,000 | 16,999,000 | 16,982,000 |
| Risk-weighted assets | 53,804,000 | 54,093,000 | 55,195,000 | 56,484,000 |