Call reports 2014
FIRST NATIONAL BANK OF WAYNESBORO, THE — 2014
What FIRST NATIONAL BANK OF WAYNESBORO, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 115,651,000 | 112,895,000 | 111,128,000 | 113,778,000 |
| Total loans | 58,757,000 | 59,052,000 | 63,811,000 | 65,505,000 |
| Allowance for loan losses | 845,000 | 851,000 | 948,000 | 850,000 |
| Securities available for sale | 15,834,000 | 16,154,000 | 16,621,000 | 17,476,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,933,000 | 87,961,000 | 85,758,000 | 88,565,000 |
| Interest-bearing deposits | 66,741,000 | 67,648,000 | 66,626,000 | 65,399,000 |
| Noninterest-bearing deposits | 24,192,000 | 20,313,000 | 19,132,000 | 23,166,000 |
| Equity capital | 18,019,000 | 18,228,000 | 18,576,000 | 18,694,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,197,000 | 2,413,000 | 3,655,000 | 4,938,000 |
| Interest expense | 105,000 | 207,000 | 311,000 | 415,000 |
| Net interest income | 1,092,000 | 2,206,000 | 3,344,000 | 4,523,000 |
| Noninterest income | 274,000 | 557,000 | 935,000 | 1,252,000 |
| Noninterest expense | 869,000 | 1,750,000 | 2,664,000 | 3,701,000 |
| Provision for loan losses | 70,000 | 140,000 | 225,000 | 207,000 |
| Pretax income | 427,000 | 873,000 | 1,519,000 | 1,993,000 |
| Income tax | 92,000 | 225,000 | 428,000 | 542,000 |
| Net income | 335,000 | 648,000 | 1,091,000 | 1,451,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,683,000 | 17,780,000 | 18,223,000 | 18,280,000 |
| Total capital | 18,391,000 | 18,487,000 | 18,989,000 | 19,064,000 |
| Risk-weighted assets | 56,540,000 | 56,439,000 | 61,065,000 | 62,621,000 |