Call reports 2013
FIRST NATIONAL BANK OF WAYNESBORO, THE — 2013
What FIRST NATIONAL BANK OF WAYNESBORO, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 117,534,000 | 109,410,000 | 108,542,000 | 117,723,000 |
| Total loans | 54,679,000 | 54,819,000 | 59,691,000 | 59,980,000 |
| Allowance for loan losses | 746,000 | 791,000 | 867,000 | 820,000 |
| Securities available for sale | 18,703,000 | 17,357,000 | 19,008,000 | 17,192,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,425,000 | 85,369,000 | 84,216,000 | 93,547,000 |
| Interest-bearing deposits | 70,493,000 | 65,855,000 | 64,551,000 | 66,491,000 |
| Noninterest-bearing deposits | 22,932,000 | 19,514,000 | 19,665,000 | 27,056,000 |
| Equity capital | 17,227,000 | 17,271,000 | 17,519,000 | 17,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,214,000 | 2,440,000 | 3,696,000 | 4,982,000 |
| Interest expense | 137,000 | 256,000 | 370,000 | 483,000 |
| Net interest income | 1,077,000 | 2,184,000 | 3,326,000 | 4,499,000 |
| Noninterest income | 298,000 | 580,000 | 894,000 | 1,220,000 |
| Noninterest expense | 854,000 | 1,737,000 | 2,617,000 | 3,569,000 |
| Provision for loan losses | 88,000 | 158,000 | 226,000 | 244,000 |
| Pretax income | 433,000 | 869,000 | 1,377,000 | 1,906,000 |
| Income tax | 89,000 | 212,000 | 354,000 | 527,000 |
| Net income | 344,000 | 657,000 | 1,023,000 | 1,379,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,619,000 | 16,933,000 | 17,299,000 | 17,347,000 |
| Total capital | 17,267,000 | 17,602,000 | 18,029,000 | 18,071,000 |
| Risk-weighted assets | 51,724,000 | 53,419,000 | 58,267,000 | 57,801,000 |