Call reports 2015
FIRST NATIONAL BANK OF WAYNESBORO, THE — 2015
What FIRST NATIONAL BANK OF WAYNESBORO, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 113,279,000 | 114,075,000 | 114,121,000 | 120,794,000 |
| Total loans | 65,135,000 | 66,039,000 | 69,363,000 | 69,199,000 |
| Allowance for loan losses | 909,000 | 955,000 | 1,021,000 | 900,000 |
| Securities available for sale | 17,407,000 | 16,525,000 | 17,343,000 | 17,014,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,564,000 | 88,157,000 | 87,747,000 | 94,428,000 |
| Interest-bearing deposits | 65,833,000 | 67,431,000 | 66,748,000 | 68,455,000 |
| Noninterest-bearing deposits | 21,731,000 | 20,726,000 | 20,999,000 | 25,973,000 |
| Equity capital | 19,128,000 | 19,202,000 | 19,638,000 | 19,732,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,227,000 | 2,495,000 | 3,803,000 | 5,114,000 |
| Interest expense | 99,000 | 199,000 | 300,000 | 400,000 |
| Net interest income | 1,128,000 | 2,296,000 | 3,503,000 | 4,714,000 |
| Noninterest income | 286,000 | 609,000 | 935,000 | 1,274,000 |
| Noninterest expense | 859,000 | 1,748,000 | 2,676,000 | 3,733,000 |
| Provision for loan losses | 75,000 | 187,000 | 277,000 | 248,000 |
| Pretax income | 476,000 | 1,013,000 | 1,523,000 | 2,040,000 |
| Income tax | 96,000 | 244,000 | 395,000 | 572,000 |
| Net income | 380,000 | 769,000 | 1,128,000 | 1,468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,659,000 | 18,956,000 | 19,315,000 | 19,341,000 |
| Total capital | 19,445,000 | 19,760,000 | 20,139,000 | 20,156,000 |
| Risk-weighted assets | 62,796,000 | 64,236,000 | 65,789,000 | 65,147,000 |