Call reports 2017
FIRST NATIONAL BANK OF WAYNESBORO, THE — 2017
What FIRST NATIONAL BANK OF WAYNESBORO, THE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 132,849,000 | 130,928,000 | 130,985,000 | 140,265,000 |
| Total loans | 75,609,000 | 76,542,000 | 80,106,000 | 79,247,000 |
| Allowance for loan losses | 1,007,000 | 1,082,000 | 1,110,000 | 1,000,000 |
| Securities available for sale | 17,189,000 | 17,267,000 | 17,173,000 | 16,616,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,404,000 | 102,804,000 | 102,403,000 | 112,214,000 |
| Interest-bearing deposits | 77,942,000 | 77,517,000 | 77,153,000 | 77,706,000 |
| Noninterest-bearing deposits | 27,462,000 | 25,287,000 | 25,250,000 | 34,508,000 |
| Equity capital | 20,859,000 | 21,432,000 | 21,806,000 | 21,602,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,355,000 | 2,752,000 | 4,234,000 | 5,758,000 |
| Interest expense | 109,000 | 214,000 | 326,000 | 438,000 |
| Net interest income | 1,246,000 | 2,538,000 | 3,908,000 | 5,320,000 |
| Noninterest income | 344,000 | 697,000 | 1,130,000 | 1,474,000 |
| Noninterest expense | 1,047,000 | 2,052,000 | 3,208,000 | 4,286,000 |
| Provision for loan losses | 60,000 | 146,000 | 230,000 | 189,000 |
| Pretax income | 478,000 | 1,027,000 | 1,586,000 | 2,306,000 |
| Income tax | 97,000 | 256,000 | 440,000 | 655,000 |
| Net income | 381,000 | 771,000 | 1,146,000 | 1,651,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,971,000 | 21,361,000 | 21,735,000 | 21,599,000 |
| Total capital | 21,861,000 | 22,259,000 | 22,698,000 | 22,538,000 |
| Risk-weighted assets | 71,150,000 | 71,696,000 | 76,942,000 | 75,093,000 |