Call reports 2019
FIRST NATIONAL BANK OF WAYNESBORO, THE — 2019
What FIRST NATIONAL BANK OF WAYNESBORO, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 138,048,000 | 135,287,000 | 135,628,000 | 148,043,000 |
| Total loans | 85,904,000 | 88,951,000 | 91,293,000 | 91,340,000 |
| Allowance for loan losses | 1,103,000 | 1,164,000 | 1,172,000 | 1,100,000 |
| Securities available for sale | 16,187,000 | 16,043,000 | 15,768,000 | 14,686,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,589,000 | 108,914,000 | 108,275,000 | 121,307,000 |
| Interest-bearing deposits | 78,117,000 | 78,305,000 | 77,536,000 | 83,933,000 |
| Noninterest-bearing deposits | 34,472,000 | 30,609,000 | 30,739,000 | 37,374,000 |
| Equity capital | 23,883,000 | 24,589,000 | 25,249,000 | 25,127,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,633,000 | 3,284,000 | 4,983,000 | 6,668,000 |
| Interest expense | 102,000 | 211,000 | 327,000 | 449,000 |
| Net interest income | 1,531,000 | 3,073,000 | 4,656,000 | 6,219,000 |
| Noninterest income | 324,000 | 698,000 | 1,195,000 | 1,576,000 |
| Noninterest expense | 1,061,000 | 2,164,000 | 3,412,000 | 4,598,000 |
| Provision for loan losses | 70,000 | 135,000 | 204,000 | 210,000 |
| Pretax income | 722,000 | 1,467,000 | 2,227,000 | 2,976,000 |
| Income tax | 131,000 | 292,000 | 481,000 | 657,000 |
| Net income | 591,000 | 1,175,000 | 1,746,000 | 2,319,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,882,000 | 24,422,000 | 24,993,000 | 24,877,000 |
| Total capital | 24,877,000 | 25,463,000 | 26,055,000 | 25,921,000 |
| Risk-weighted assets | 79,518,000 | 83,207,000 | 84,866,000 | 83,530,000 |