Call reports 2016
FIRST NATIONAL BANK OF WAYNESBORO, THE — 2016
What FIRST NATIONAL BANK OF WAYNESBORO, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 120,992,000 | 122,931,000 | 125,114,000 | 132,065,000 |
| Total loans | 70,183,000 | 72,266,000 | 74,516,000 | 75,612,000 |
| Allowance for loan losses | 959,000 | 1,056,000 | 1,102,000 | 950,000 |
| Securities available for sale | 14,511,000 | 17,292,000 | 18,469,000 | 17,367,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,260,000 | 95,637,000 | 97,572,000 | 105,187,000 |
| Interest-bearing deposits | 69,263,000 | 73,105,000 | 75,022,000 | 77,093,000 |
| Noninterest-bearing deposits | 24,997,000 | 22,532,000 | 22,550,000 | 28,094,000 |
| Equity capital | 20,166,000 | 20,601,000 | 20,851,000 | 20,398,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,269,000 | 2,590,000 | 3,954,000 | 5,323,000 |
| Interest expense | 102,000 | 205,000 | 311,000 | 420,000 |
| Net interest income | 1,167,000 | 2,385,000 | 3,643,000 | 4,903,000 |
| Noninterest income | 304,000 | 627,000 | 1,151,000 | 1,496,000 |
| Noninterest expense | 879,000 | 1,827,000 | 2,994,000 | 4,162,000 |
| Provision for loan losses | 70,000 | 168,000 | 252,000 | 164,000 |
| Pretax income | 517,000 | 1,207,000 | 1,733,000 | 2,252,000 |
| Income tax | 101,000 | 318,000 | 512,000 | 701,000 |
| Net income | 416,000 | 889,000 | 1,221,000 | 1,551,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,757,000 | 20,230,000 | 20,563,000 | 20,590,000 |
| Total capital | 20,584,000 | 21,068,000 | 21,442,000 | 21,480,000 |
| Risk-weighted assets | 66,036,000 | 66,878,000 | 70,101,000 | 71,219,000 |