Call reports 2018
FIRST NATIONAL BANK OF WAYNESBORO, THE — 2018
What FIRST NATIONAL BANK OF WAYNESBORO, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 133,677,000 | 139,255,000 | 133,132,000 | 139,260,000 |
| Total loans | 76,466,000 | 78,685,000 | 84,746,000 | 86,412,000 |
| Allowance for loan losses | 1,060,000 | 1,112,000 | 1,144,000 | 1,050,000 |
| Securities available for sale | 16,725,000 | 16,665,000 | 16,776,000 | 16,926,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,195,000 | 115,177,000 | 108,498,000 | 114,700,000 |
| Interest-bearing deposits | 79,367,000 | 84,278,000 | 79,191,000 | 83,561,000 |
| Noninterest-bearing deposits | 30,828,000 | 30,899,000 | 29,307,000 | 31,139,000 |
| Equity capital | 21,944,000 | 22,381,000 | 22,809,000 | 23,138,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,479,000 | 2,983,000 | 4,576,000 | 6,208,000 |
| Interest expense | 113,000 | 192,000 | 279,000 | 371,000 |
| Net interest income | 1,366,000 | 2,791,000 | 4,297,000 | 5,837,000 |
| Noninterest income | 325,000 | 676,000 | 1,128,000 | 1,512,000 |
| Noninterest expense | 1,002,000 | 1,959,000 | 3,108,000 | 4,353,000 |
| Provision for loan losses | 60,000 | 144,000 | 208,000 | 173,000 |
| Pretax income | 625,000 | 1,356,000 | 2,098,000 | 2,809,000 |
| Income tax | 124,000 | 306,000 | 504,000 | 651,000 |
| Net income | 501,000 | 1,050,000 | 1,594,000 | 2,158,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,100,000 | 22,519,000 | 23,063,000 | 23,291,000 |
| Total capital | 22,996,000 | 23,440,000 | 24,050,000 | 24,289,000 |
| Risk-weighted assets | 71,552,000 | 73,568,000 | 78,858,000 | 79,857,000 |